Used to be, you went in , the doc stuck a thermometer up the dogs butt, took a blood sample and said here's some medicine. The dog should feel better soon.
Then a long came insurance and the doctor got a case of Stoopid.
We got to run tests, maybe a MRI or cat scan. Can I interest you in an insurance policy?
$40 doctor visit became $400 or more instantly.
Years ago, I was recruited by a company and one of the perks was pet insurance. Thought we were all set up until they declined to pay on what the said was a preexisting condition.