A person walks their dog through the snow Tuesday, Feb. 13, 2024, in Providence, R.I. Pet insurance can help you handle unexpected vet bills, but it won’t pay for everything. Before you buy a policy, it’s important to understand what it will probably cover (like treatment for broken bones or sudden illnesses) and what it won’t (such as a condition your pet had before you got the insurance). (AP Photo/David Goldman, file)