Holy COW you have a lot of allergies!!! Mine was all pets too... My allergist told me the best thing to do was keep the pets out of the bed, which they sleep in our room just not the bed. We also got one of those Temper Pedic Mattresses which I have to say was God Awful expensive, but has really helped me get some sleep at night. The insurance part REALLY sucks... the Army refused to test me when my hubby was enlisted, so when he got out I went to a civilian allergist. He now has a supplement to our Tricare and between the two insurances I pay around $25 every couple of months. I know so many people that can't afford the injections, and honestly insurance should cover it to keep down the doctor visits for the symptoms!!!