It would be nice, I'll give ya that, but I agree that I don't think it's going to happen. There are always idiots out there that ruin something for the rest of us... and while some of us may legitimately spend $3500 on a pet in a year, I could (as noted) see some people getting pets just to get the discount, trying to fake vet bills (would they be audited?), or trying to take $3500 deduction on a gerbil. And would it cover chins? Whereas many people think nothing of spending thousands to care for their dogs or cats, most of my friends think I'm nuts when I tell them the amount I've spent on the chins and the rescues at the vet....or would that be livestock rather than pets? Would it only cover mainstream pets like cats/dogs? Or would it cover when your $4000 exotic fish gets some fish disease and has to be treated? Or the lady with the pet fox or patagonian cavy? I think the vagueness will kill it.