I know it is the done thing to get insurance, but like another poster, I am dubious about the cost of an insurance and what it gives you, especially in terms of excess.
You could be paying £20 a month and have nothing go wrong for years. If something does go wrong, you then have the excess to pay, but then you also have to take into consideration all the years you could have been saving the insurance money to pay for vets bills. Long term illnesses are not good, but would they cost more than the insurance every month? I know any surgery a dog might get is going to be high, but are the chances that high?