Probably written about this before but have now decided pet insurance has become ridiculous.
Paying £55 per month at the moment. The dog had an argument in the park with another and I payed £348 at the vet the same morning. Rang the claims department and - in addition to the £135 excess - was told they would also deduct 20% as the dog is over 8 (she is now roughly 12). I have never claimed before in 7 years and have accepted the other bills which have not reached the £135 or too little over as to not worth bothering (as you also pay the vet £10 admin. fee). Actually ended up with £170.
So will now transfer the £55 into another account. I've really only kept on so long with current dog as she is such an agile dog (lurcher). I stopped paying insurance with my last dog (a thoroughbred terrier-type mongrel) at about the same age and put away a 4-figure sum until he had to be put down at 16. After, of course, paying thousands in insurance over the past years. Which goes up every year as the dog gets older.
I appreciate if a dog develops a long-term problem it's difficult - just have to hope it doesn't happen.