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@kl
Have had a few minor claims, but overall we're subsidising people who've had bad luck like @DethBeard. Still, wouldn't want to be in a colleague's situation - got a new pup, told me insurance was a mug's game and after 10 months it needed 2 x £4k operations on its hips.
Getting insurance is gambling a smallish stake each month that your dog will get ill. Not getting insurance is gambling against a potentially huge loss. What's your appetite for risk?