I stopped our policies once the premiums and excess more than doubled a few years ago....it will probably come back and bite me on the bum but it's the chance you take
In saying that, I did pick up a leaflet for a Sainsburys policy while doing my shopping and have been meaning to get a quote.
My vets do a savings plan where you can either set up a standing order to them each month or you can just pay money in to your account as and when you want. This is what I do and I don't use it to pay for regular prescriptions or routine visits - that way there should be a nice cushion to soften the blow should anything unexpected happen that results in a huge bill. I only started doing this after losing Vegas - his bill from being admitted on the Tuesday am to being PTS Wednesday am was just under £700. If we had managed to stabilise him and continue treatment, I can only imagine how quickly that would have risen into the thousands
It wouldn't have been a problem as I had the proceeds of my house sale tucked away for putting towards a new house so I just used that (he timed it well
). The savings plan will probably be good to cover something for a few hundred pounds but it would be difficult to save enough to cover anything really substantial which is why I'm toying with the idea of insurance again - and of course, the more dogs you have, the more chance of encountering a huge unexpected bill along the way.