It all depends on what type of loan you have, iid it was a full loan then I would expect the loanee (if there is such a word) to pay, but if its only a part loan or share, then I would expect the owner to pay.
I pay the insurance and would not expect my sharer to pay any vets bills, on my horses who are loaned out I pay the insurance but do expect them to pay vets bills and it states this in the loan contract
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