I'm useless, I still don't know ::
We were originally going to do the £10 a month into a pot plan, that's why we weren't sure about insurance but we figured that you'd only be saving £120 a year so after 10 years you'd still only have £1200 if you'd never used it so if Bella needed something expensive (I'm guessing some things must be or they wouldn't have caps of £6000/7000 on insurance covers) you wouldn't have enough.
Having said that I'm with Suki in that if something needed doing you'd find the money somewhere even if you did have to remortgage.
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I would say give M&S a go, dont forget if premiums go up or too many exclusions occur, you can shop around and find a better deal.
Heres a run down of the cover I have
Vet fees including £7000
complementry treatment £750
Behaviourist £250
Cremation/funeral £100
Dietry foods £200
Third party liability £2,000,000
This are all for the period of insurance -ie paid to that amount per year for every year you take out insurance. Then on top of that I have all the other things such as holiday cancellation, quarentine, theft and straying etc and even £750 accidental damage to OWN property. All this for £15.81 a month and NO excess.
This is less then half of what Pet Plan wanted and they also had a £60 excess
For this area thats a bargain and as long as they dont start adding stupid exclusions Im happy