lf it is a for life policy the one l reccommend will generally cove for life.
Certain pedigree dogs and those crossed with others and given fancy names means you will get high premiums....for good reason thanks to bad breeding over the years they are walking disasters. And mixing 2 bad does not make 1 good
Pay a fortune for a stupid name (que howls of anger) and you pay the premium ie cockerpoo (cocker spaniel x poodle) you pay a high premium as both have lot of problems put in cross breed and in dominant breed put poodle you pay a lot less (or whatever the main breed is)
Animals cost money lot folks have pets fall on hard times l get that.
The ones make me angry get animals and moan about the cost and blame the vet/staff etc for being greedy.
Not so vets generally bend over to help those that put effort in to trying to pay even expensive ops.
Usually it is a pedigree and as above their problems can be numerous to sort and expensive. Reseach the breeds do not go on cute or cost or by what any breeder says...speak to a vet or vet nurse try here run by a world famous genetacist ..Database of inherited diseases in dogs top 20 breeds
http://idid.vet.cam.ac.uk/search.php
Cats again head for pedigrees more risk of problems and persians kidney trouble. Lots of cats are hit by cars..personally l hate keeping cats indoors lots folks do but wont stop illness or injury. Thrombus or blocked bladders.... fat male cat classic
Rabbits should have a huge run not locked in a hutch 24/7
It is NOT every persons right to have an animal
it IS EVERY animals right to have a responsible owner.