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I agree. I cancelled Murphy's before he got sick as just for allergies it had risen to £300 a month at 9 years old. Then he got sick. Two months later his bill was £2500 for just one visit. No insurance. Regretted cancelling but all in all, think it's no win situationI must admit we didn’t have pet insurance for Rusty and Pepe as we paid ourselves when the need arouse so not sure whether we will get insurance next time, because I think although we spent an awful lot on vet bills the last coupe of years I think we would have spent more on insurance over the years.