Sorry for the length of my essay.
We got 2 older rescue dogs, one with late stage kidney failure and one with only one eye. The maximum benefit any insurer would give us per year was 800 quid, for a 350 quid payment, as they had unknown medical history and were both 9 years old.
They have their own bedroom, and we have tiled floors. This has helped contain mess, as even older dogs are not always great with bladder control and the other way too, especially when they first come to a new home. Their bedroom is their safe room, kinda like people use crates but is 2.5m x 3m with an attached shower room so plenty of space for a 32kg dog and a 24kg dog for their 'safe room'. The only people we allow in their room are me, DH, and the dog walker, so they know they can go and hide in there if ever they feel intimidated, like if we have lots of people in the house or the first few days with a new houseguest.
I'm out of the house for 9 hours per day on average at work, DH around 11-12 hours. We have the dog walker who comes in every day and takes them out for 30-60 min walk weather dependant (we're in the middle east so over summer it was too hot in the middle of the day for a long walk, so he came to just play with them in the house and take them for a short poo/waz break). If we're off out at weekends for long days, we've been known to send them into the doggie hotel for 3 nights when we had visitors, as we knew we'd be out and about for 10-12 hours each day so it was best for them to stay there. They love it there, and would have been doing daycare anyway whilst we were out galavanting without them. They get to play, gallop around with other dogs, and the adore the handlers there. Or just to daycare at the same place, which obviously needs pre-booking, costs a reasonable amount of money, and cannot always be arranged so means we can't do things on-spec.
Weekends we go to the park and they gallop around, or to the beach although GirlDog can't swim. BoyDog loves it. Again, all weather dependent though. There's a lovely on-lead walk that DH does with them, around 12km round trip. Have to be on-lead but he uses the long-leads for them so they can explore a little more.
DH also goes running with GirlDog at night. BoyDog isn't well enough, but he's starting to do C25k with me.
Away from the running and any galloping they have 3 walks a day, of around 5km per walk. This takes a lot of time, and they well, GirlDog believes that 5:30am is a lie in and they don't understand what Weekend means in the morning. They love Weekend when it means 'pack day' when the 4 of us just lollop around the house, watching TV, playing tennis ball, extra long walkie, and at least one of us being there at all times..
The downside:
They've been living with us for 9 months now. They still chew, and no matter how long we have spent with trainers, they still fucking chew. They don't like rope toys, and only like ones they can destroy which costs us more than the vet bills for BoyDog with renal failure GirlDog has colitis too, so her shite is fairly grim if she gets stressed with anything. BoyDog has very special dietary requirements which is expensive. The hair everywhere is horrendous. They shed all the time. The hair all over our black work suits is terrible. I have lint rollers everywhere - car, desk drawer, in the cupboard in the hall next to the front door, and every room in the house. I feel tied. As DH works longer hours with a longer commute, it is all up to me in the week and I hate not being able to nip to the shops on the way home. I always have scented candles on, as despite having cleaners in 3 days a week and me sweeping all weekend and changing their bedding weekly more if necessary, I still feel like the house smells and we don't have soft furnishings - everything is wooden blinds, leather, hard floors, and still I feel like it smells of dog. I'm always tired due to the early morning yips to wake me up. When we've been out to dinner at weekend nights, we're out walking them at midnight/1am and they still get up at 5:30!
So far, in 9 months, they've cost us around 4,000 quid without special diets, day care, dog walker - thats just in vets bills as BoyDog has monthly blood tests which at one stage around the time of diagnosis, were weekly, plus ultrasounds, medication etc, and the time GirlDog ate her dogbed and needed hospitalisation.
I hate not being able to just go away for the night, which is difficult as we live around 2 hours drive from most of our friends. It costs us around 50 quid per week for the dog walker, but he comes every day and both of them absolutely love him. They've never taken to someone as quickly as they took to him. Worth absolutely every single penny.
The upside:
They're my doggies. That's all that really needs saying. Its all worth it to have my big awesome BoyDog shouting me and my lovely little sweetheart GirlDog twirling around and grinning with her big goofy grin on her face when I get back home from work every night.