. . . to not have pet insurance?

I insure my dogs up until they are 2 and then I stop and put the money into savings on the basis they are then unlikely to need something until they are 7 or 8. I think at the age of 10 in a cat the likelihood of you needing to claim in the next 2 years is high- so I would carry on paying now. If you want to take the putting money into savings route- you do it in the years claims are unlikely, not in the geriatric years.

I've just stopped my insurance for my 12 year old Maltese, he has not needed to have any visits to the vet (apart from teeth which cost £780 and I was not covered for) you need to read your t's and c's the older the pet, the more the insurance, and the higher percentage you have to pay towards the vets fees. I just save my insurance cost in my account .

I did the switch to savings, albeit a bit later as a longer lived (non) breed (ie a moggie!) as I knew I wouldn’t want to put him through the trauma of an op when he was too old to have a good prognosis, and anything else the savings would cover.

I don’t insure my dogs past 10. it’s just not worth it, what with the cost itself plus higher excess and then a % of the vet’s fees as well.
I put money into an account to use if I need it.

Having had dogs go through operations when elderly many years ago, I said I wouldn’t put an older dog through numerous invasive procedures so I bear that in mind too.

YANBU but it depends on how important your pet is to you.

We've never insured any of our cats but have just paid the bills as necessary. If one of them needed very expensive treatment for a terminal illness then we'd probably opt to have it PTS.

Our dog is heavily insured - he's part of the family and we would do anything to keep him alive as long as he wasn't in pain.