My late mum worked at a vets for 30 years and was a very keen animal person, including all working stock, as a result I spent my childhood and most of my adult life surrounded by dogs that had enjoyed a "second chance".
However, she did not approve of insurance as she stated that over a very short amount of time vet's attitudes towards the welfare, well-being and quality of life was compromised for the pursuit of higher profit. This is often the case for lots of pedigree animals where there may be a congenital fault - hips, shoulder and elbow problems are common in many breeds and vets are