I would not know, the only pets we had either died and was flushed down the toilet or as a kid the dog went out one day and never came back, then the next day we had a new one.
A friend had his dog for years and it was old and had cancer too , he had pet insurance and when the vet told him the dog is poorly he wanted a 2nd opinion , well that 2nd opinion cost the dog more pain and a few more weeks of living plus him losing £2000, as he was not covered for certain things .
He is never going to have another dog so he says