• Eight pedigree dogs (working, not bred for looks) have cost me less than £5k in 29 years in vet bills, including (sadly) the inevitable cremation costs. All insurance is basically betting and I have been lucky. However, I have always been in a position to cover bills and if it's the choice between my dogs or virtually anything else, the dogs come first.

  • The problem is if large bills come in the early years, on the basis that the sensible option is to put money aside into savings rather than into a policy. I've learned this the hard way...

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