Thank you for your considered opinion bakewell..
Our 16 month springer has been to the vet more times than I could have possibly imagined in his short life. He is perfectly healthy, in fact, he's only ever been once for illness, all his other many times are for injury, some serious, requiring the insurance to be involved, some less so, but still requiring a vet to be involved.
Indeed, things like kennel cough, which is a requirement for any dog going to stay in kennels is covered within our plan, I imagine that a vet would charge for such a consulatation.
I did say to the OP it's not for everyone, just something to consider as an option, I like the security as I worry to much about the dogs
, others I imagine, are perfectly happy without it.
My experience with ddog1 has changed my stance somewhat to what is 'value for money' or not 