I’ve owned 3 dogs in my lifetime, one of which sadly died last March. All have been fully insured for at least £8-15k lifetime cover limits from the day they came home.
My eldest dog, Fiona has had two procedures in the six years since we rescued her - removal of a cancerous lump on her back and a laparoscopic spay with hernia repair whilst she was under anaesthesia. In total, I paid probably around £1500 across those two surgeries and treatments and was able to reclaim around £800 (relating to the lump removal).
With my dog Logan who died, his treatment, tests and stay in animal hospital, plus cost for a home visit to PTS, came to £1420. I got back £820 (lots of deductions due to individual cremation, home visit etc), plus £360 reimbursement payment due to him dying.
For me, insurance isn’t an optional expense - I consider it a mandatory part and cost of owning a dog and if I have to cut back spending elsewhere to keep affording to pay monthly premiums, then so be it.
Of course, it would be much nicer if vets and insurance companies could figure out a way to be more effective in working together to assess and approve claims so that the default is direct claim and settlement, instead of pet owners having to find the money up front and then claim back. Particularly in circumstances involving the death of a beloved pet, it’s an additional stress that isn’t needed.