There's no way I'd ever be without insurance for, at a minimum, illness and injury vets fees and 3rd party liability. In the last 4 months Alfie and Rodaidh between them have run up vets fees of over £6000, all completely out of the blue and pretty urgent... doG knows how long it would have taken me to save that much and of course something else could happen to them or to Tilly at any time (hopefully not but it could) which I'd also have to pay for of course. With the 3rd party liability thing, if your dog causes an accident and you're held liable the fees/claims could run into hundreds of thousands if not millions so to me that's also an essential.
I used to have Alfie and Tilly with M&S but this year the premiums nearly doubled and they added the excess so I've moved them to Healthy Pets gold cover which is much more reasonably priced, you don't get some of the bells and whistles stuff M&S offers like behaviourists fees etc. but I don't need that anyway.
When my dogs are sick that's enough of a worry for me without having 'oh god how am I going to pay for this' in the back of my mind as well. I like the peace of mind of being able to say 'do whatever you have to do' without having to worry about the cost. I'd say that anyway of course as I'd do whatever it took if I had to pay for it myself but I just don't want the added stress at times like that.
