Part 7/9:
Certain pre-existing conditions, inherited health issues, and procedures like spaying/neutering are not covered.
Some policies include no-claim discounts, incentivizing owners to avoid unnecessary claims and reduce premiums over time.
Owners should carefully compare policies, as there is no "one size fits all." While insurance provides a safety net against high medical costs, maintaining a dedicated emergency fund is also a viable strategy, especially for smaller or less expensive policies.