that works with cars because they're not all hollards backed. But with the pet insurance - you've got two choices - hollards (rip off), or Al nz doesn't pay what you agreed (another rip off).
There is a third choice - put 15 grand aside for vet emergencies. Why 15? Because that's the max the insurance companies (Hollards) will pay in any given year anyway. But if you have an emergency - you have to top up the 15 grand yourself.
Most of the insurance companies are bumping premiums at the moment because they all got caught out by the floods and other disasters and also because of climate change which means more severe storms and droughts (fires) aka more and bigger insurance claims. So we're all paying for that.
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