at petsmart, you just pay/... I'm not sure that they make your pet have a physical or not. but you might want to see what the pet insurance will cover..or you might just end up paying for insurance, and STILL having to pay out of pocket for the biopsies.
Honestly, the doc will probably treat for the infection, and if it doesn't go away, THEN do the biopsy. ... antibiotics will be waaaay cheaper!
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