I'll probably get slated for this, but personally, I think pet insurance is a waste of money. I'd rather put a set amount away every month, in a bank savings account, to cover for emergencies. Most of the pet insurance companies have so much small print, that you're lucky if you ever get paid out on a claim. My old GSD had to be castrated when he was 12 yrs old, because he had a benign tumour. I had so much hassle from Pet Plan ("We don't pay for neutering" "I know, but this is for medical reasons, not social or cosmetic..." - "We don't pay for neutering" - I got so exasperated in the end!!). I'd had that dog insured with them since he was 4 months old & had never claimed a penny! I asked if they had a no claims discount, for people like me, but was told that if they did that then people wouldn't take their animals to the vet. What a load of rubbish - people like that wouldn't even bother to get their pets insured! To be honest, the only animal I'd insure now would be a horse.