Insurance question

[swithers]

Hi a question about dog insurance from a beginner/new owner.
Our little Beefie (a pug puppy) had an overnight stay at the vets last weekend due to her licking or swallowing some drugs left in the park. We were devastated but thankfully she's pulled through and is now back at home eating our shoes again.
The vets bill came to £450 (could have been worse). My question is how do you make the decision to claim on insurance or just swallow the costs knowing you can keep your premium low for the future. How do you make an informed decision on this. We're with petplan and our policy is £40 a month (not the highest or lowest cover).
Any advice appreciated MNetters x

I went with petplan as they advertised that premiums rise with age not claims. No idea about how other companies work.

I have claimed many thousands and my premiums have risen but nothing that doesn't seem unreasonable.

I therefore claim for everything. In fact just claimed for about £200 for a dental clean.

I claim for everything I can. In her first year I claimed over £800, my premiums rose by about a £1.

Thanks guys for your replies. It's obvious I need to claim x

I would claim for everything possible, tbh. That's what it's there for!