We took out an insurance with Healthy Pets a month before Pepsi started having trouble with her mouth (lip folds). We pay just over £11 a month for the two dogs. Our vet put in our claim for ALL the treatment Pepsi had had, medication, lotion, ointment etc and I was pleasantly surprised when they paid the lot minus the excess. I do agree they are not the best but you need to weigh up what you can afford, the likelyhood of needing it (we all hope we won't) and if you could afford what it doesn't cover. You can always change insurers when you can afford something better.