I have had to do it but would possibly need to do it in the future,
My thoughts are,
To get public liability insurance , if something happens that is my dogs fault we will be covered.
To have around £6,000 in easy access savings account, Bea's biggest bill was @£5,500.
Also that if a dog is not insured this tends to change the way they are treated, Back when insurance for pets was very new I had a cat, he was around 12 years old and unwell, they realled off a list of the test they wanted to do and then asked the question "is he insured ?" When I said no the list was halved, in my opinion they re prioritised the list .
I'm not saying this is a good thing as i would want a quick diagnosis and treatment, but if you do not have thousands in the bank then I believe it's something to keep in mind.
As I say, just my thoughts,
Sharon.