Yep, if you can afford it, go for the highest cover you can possibly get! My poor little Buffy (now at the Bridge) quickly ran up over £3,000 in just over 6 months as she had hydrotherapy sessions as well as lots of vet visits, stitches etc.
Due to our current financial situation, we have had to cut back on our dogs' insurance and am now worrying that Josie's recent ops won't be covered by their lower rate so if you can afford it, best not to have to worry as you never know what might happen!