My cat started wheezing at 2 a.m. and Pawp’s vet on video was kind—she talked me through checking his gums and tempo, which steadied my panic. Still, when I asked for the advertised $3 k “emergency fund,” the hoops appeared: receipts, fax-quality records, then radio silence for three days. He’s fine now, but the safety net feels more like fishing line—strong until you lean on it.
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