Hey I didnāt mean to imply it wasnāt worth it at all. TBH I havenāt looked into it in over 10 years so itās likely policies are a lot better.
When I did I mainly recall
The ceiling was okay say 3 to 5k max but the clauses included stuff about how if your pet had an issue that they deemed might have been caused by an earlier illness/accident, then the subsequent issue would be under the the same ceiling limit.
So I kept thinking about my car being hit by a car in its first year and major surgery but it affecting most organs so they could later claim almost any subsequent issue was tied to that.