[Stuart]

I have to admit, I am rather dubious of the value of pet insurance. We looked at getting it, and found that while it appears cheap at £8 a month, the cover charge was over £60. Every visit we've had to the vets over the last 3 years (I am not counting the cost of Frontline flea prevention, as I don't think insurance covers this anyway) has been less than £60.

So, in our case, had we had pet insurance, we would have paid out £8 per month, and on each visit, we would still have had to pay out and been unable to claim.

I suppose you can say that about any insurance though, and I know that our vet is not a chain vet and will not attempt to sell us treatments he doesn't really think our pets need (unlike my aunt's vet who is part of a chain and put her perfectly healthy little puppy through a lot of very expensive and stressful tests before he would innoculate him), which keeps the costs of our visits to him down.