I sometimes wonder if the growth in pet insurance, increasing cost and availability of treatments aren’t somehow feeding each other in a delicious spiral.
It used to be the case that a vet could basically stitch up a hole, pull out a splinter, give antibiotics and if non of those were an option put an animal down. Non of those things warranted insurance.
The costs now reflect there are all sorts of expensive and extensive technological options to defer doing the last of those – and with those options existing many people with think with their heart and wallet instead of their head. Those expensive technologies need to have their costs covered whether the customer uses them or not so they will be spread across all the treatments
(that and the fact people have paid a fair wedge for a pet rather than brought it back from the pub in their coat pocket so they’ve got and investment to protect)