u/I-Spot-Dalmatians

This is my boy, he’s 4 years old and I’ve had pet insurance for him all his life. Just got his renewal through though and they want £62 a month. That’s a mental amount of money for a young healthy dog. I’ve already lowered my coverage amount. I’m debating just putting £50 a month every month into a separate account and reserve it for any vet bills just in case I do need it. Just wondering what other dog/ animal owners do.