Thanks a lot for all your replies, somewhat conflicting though they are. I had never heard of Animal Friends before which was why I added the post. I remember when I had Jazz my OH said why don't you just put that amount of money into a separate account each month and if there is a problem the money will be there. I didn't do this of course, and if I had done I would now be quids in because although he is nine now I have only ever made one insurance claim, which was for a fairly trifling amount in the scheme of things. Hey ho.