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Check your household cover as well as there is usually some liability cover under that. eg. the direct line wording is below but always check with your insurer. You’re not covered for ✘ Any liability relating to: • death or illness of, or bodily injury to, you or your domestic staff • damage...

Same principle. You don't really take out insurance for run of the mill vet bills, it the risk of sizeable bills that warrant insurance.

Do you do the same with your car or house insurance?