As a rule, non-essential insurance (including pet insurance) is designed to be a losing bet as you are paying for the average cost of an insured animal’s care, plus the overhead of hundreds of people’s wages.

Plus all the other business overhead, plus tidy shareholder profits.

Here’s my recollection from my limited research on this a few years ago (in the US):

-High premiums

-Insurance company can cancel coverage or jack up premiums if your pet becomes expensive

-needing pre approval for coverage, so you may be dealing with an extra layer of beurocracy when you need to get your pet treated

-Notable risk of insurance company rejecting claims

-Maximumum coverage seemed rather low (ie they cap the amount insurance will pay per year or lifetime, so your coverage may dissolve if you end up having serious pet health issues.

-high copays, so you’re still paying a lot in the event of large vet expenses.

Basically, overall, it seemed like a scam in which, even for those that end up needing a large amount of vet care, you are likely to get less benefit from insurance than premiums.

All that said, I don’t think I did much research. I think I looked at a couple of pet insurance companies that seemed “legitimate”, looked at the details of their policies, did some math, and concluded “lol, fuck no!”

I think this is helpful context from the actual report (linked at the top of the WaPo article):

In 2022, half as many (47%) of adolescent girls and young women acquired HIV as in 2010. Even with this decline, we are not on track to meet our 2030 target to end new HIV infections among adolescent girls and young women.

The global sex-distribution of new HIV infections among adolescents is driven largely by sub-Saharan Africa, which carries the overwhelming global burden of HIV. In 2022, 33% of older adolescents aged 15-19 years newly infected with HIV lived outside of the region. In the Middle East and North Africa region, the number of young people living with HIV has increased by 13% since 2010. In East Asia and the Pacific and Latin America and the Caribbean, two thirds of new adolescent infections, age 10-19 years, occur in boys. Stigma, discrimination, societal inequalities and violence sabotage the efforts of adolescents and young people to protect themselves against HIV and other health threats. Young key populations are especially vulnerable.