The age at which a dog may be sold is attached to the age of weaning. Most breeds are completely weaned by 8 weeks old, but smaller breeds are more delicate and require a longer time with their mother. Any puppy being considered for sale should be comfortable eating independently of its mother.
The cost sharing ranges from 80/20 to even 50/50. For example, if your coinsurance is 80/20, that means that your insurer covers 80% of annual medical expenses and you pay the remaining 20%. The cost sharing stops when medical expenses reach your out-of-pocket maximum, which usually is between $1,000 and $5,000.
Suppose there is a group policy in which there is a shared limit of $10 million. As policy holders begin to submit claims, the shared limit decreases. So if the first claim of the year is for $1 million, then for the rest of the year there is only $9 million left. Because the limit is shared, everyone starts out sharing a $10 million limit, and after the first claim everyone has to split the $9 million limit.