Hmm, the above described insurance schemes seem useless compared to what I would encounter clients with client claims. The only dispute seems to be dentals as preventatives and which companies will argue for but I just describe the dental in exact medical terms which is basically a disease. I'm not lying and my clients get to claim it.
I guess the insurance companies don't want to make any money from the pet market? Seems kind of strange but may be due to a quirk in how insurance companies may be able to operate. Kind of translates directly into why only 1% of owners use pet insurance over there while I would see upwards of 70% in rich suburbs while still encountering a baseline of around 40% in lower socioeconomic areas.
I get this perspective from clients commonly and it's completely fine, especially for clients who are paying money to come see me. Different people will end up caring for their dogs differently. Dachshund's are one of a group of notorious breeds that tends to paint owners into a corner with genetic predilections as you're already aware. I only really give the tutorial if they're in for a behavioural, obesity, obesity + complicating disorder or initial "this is my first pet" consult. Often with the pushy breeds, to really control them in a multi dog household, both would need to have been trained around attention from the start.
He's got a good thing going in being able to hold his owners hostage with is behaviour ("I'll be a pain in the ass unless I get treats because I'm actually the one in charge", versus "I'll behave myself to get any attention at all."). This type of training is challenging and not incredibly intuitive till you see it work. I also end up seeing the full gamut of how headstrong each animal is when they come in for consult, medical workup or surgery days. Often its a complete 180 when compared to behaviours.
It sounds like you're doing a great job with tools and circumstance you have.