Insurance is why you can't afford your doctor or dentist (or roof) any more. Now they're trying to do the same with your pet. It's inevitable, but we should resist this as long as humanly possible.
The well-baby appointments for my two kids, 40 years ago were $15. That's not the co-pay, that was the entire bill. I was a degree'd IT professional at the time, making the enormous salary of $28K/year. I was wealthy -- I had "hospitalization" insurance through my Fortune-500 employer. But back during the sane centuries before the invention of the HOA, insurance was for disastrous expenses involving a hospital or a hurricane, not groceries or doctor bills (or a new roof for your house every 10 years).
The same thing happened with dentists. As recently as my retirement in 2016, a $75 trip to the dentist got you xrays, an exam, and a cleaning (as "deep" as you needed). My dentist often even did the cleaning himself. I still remember the rest of the price list. Fillings were $50, $100, $150, depending on how deep they were. Crowns were $500.
Then, they started billing the insurance company directly. Now a trip to the dentist burns through half your $1000/ year insurance benefit -- before they even find anything to fix (and we just paid $2000 AFTER INSURANCE for my wife's crown!).
It's all a scam to hide the true cost of services from you so they can bill the disinterested 3rd party with the deep pockets.
We can't stop idiots from believing in free stuff, but we can resist the urge to insure against groceries, car repairs, streaky roofs, and vet visits. For the sake of us all, please resist the urge,.
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