The difference is that human health "insurance" is de-facto mandatory due to rampant price inflation as well as continual lobbying to increase their moat, whereas pet care costs haven't quite spiraled out of control yet so we can easily reject the scam.

Overextending yourself, glossing it over with an extended warranty, and abdicating your pet's health to corporate cost-optimization is not a nice thing to do. The hard-to-hear responsible thing is to not get a pet until you're in the financial position to take care of them!

Let us hope this whole idea of "pet insurance" will be history in several years, rather than it succeeding in turning the veterinary industry into an overfinancialized clusterfuck like human healthcare.