WTF do I pay pet insurance for?!

[Savemykitchen]

Looking at the FIFTH tooth extraction for Dcat. It's happening once a year now.

Years ago I naively didn't know that our insurance didn't cover teeth. Longtime cat owner since childhood never known dental issues in all those years. So, once the first issue happened Dcat insurance would not cover as it's seen as preexisting condition.

Honestly not sure we can afford it this time. I'm at a loss, they're saying it'll be over £2k, we only just paid £700 and that's on top of £££ monthly insurance which does sweet FA.

Even when Dcat had a leg issue a few years ago, the vet couldn't fucking figure out the issue to treat it (Dcat slowly improved but still not 100%). So although nothing was treated, initial care was covered by insurance and now ANYTHING potentially leg related is "preexisting".

Honestly don't know what I have to achieve by this thread other than to vent.

I pay pet insurance not just to cover vets bills but so that I am covered if my dog causes an accident. Personal injury claims can run into thousands so I don’t want to be caught out. Ps he’s a very good dog and not very likely to hurt anyone but accidents do happen.

My cat needed two teeth out recently. In total it was £700 odds. Luckily about £500 paid out from insurance. We hace never claimed before so who knows whats next years premium will look like.

Mine is with Tesco and teeth are covered providing he has a yearly check up

We were told this so DCat only had wet food for 6 or so years, constant teeth troubles and now the latest vets recommended dry and said the wet food caused his issues. So I'm not sure which is correct

We've also been told that the wet food is junk food and the kibble is better - the wet food sticks to the teeth, the kibble doesn't.

Though a big part is definitely genetics. We've got two cats, one eats anything in sight, including trash and human food if he can find it. I One eats only when he's hungry and only cat food. The first cats teeth have always been fine, the second has had signs of gum disease since he was a few years old. Both get the same food at home.

My Tesco lifetime policy also covers dental. My old dog had teeth removed twice on her policy.