You are right , insurance doesn't cover teeth for pets. I am considering not renewing insurance for Molly and take a chance as she is very healthy. After all, years ago, nobody bothered about pet insurance did they?
WHen I had my dog - many years ago - I only had the insurance in case she caused an accident or something
The medical stuff was not relevant as the costs were much lower
Funny that the prices for things like an x-rey seem to have gone up a lot since insurance became normal!
mine had a dodgy hip (ALsatian - so a known problem) and had an x-ray - I do not remember it being a major expense
the vet also said that she could have surgery to fix it but it was expensive and could only be done in Birmingham
I opted not to as she could walk and run just fine (just show her a squirrel and she was off!) and only had problem going uphill (but could still manage stairs!)
she lived quite happily for another 7 ro 8 years!
nowadays the operation would be far more easy to get but no more essential
probably
Anyway - best wished to Molly!