To cancel insurance or not - very fit 13 and 12 year old Spaniels

[needastrongoneagain]

As the message states really! Any advice?

We've two fabulous, wonderful amazing boys, fit as fiddles and no one has mentioned to them they are 12 and 13. Picture attached! They are very slim, fit, active dogs with no signs of stiffness or ailment. They love life and still have a good couple of hours walk a day, perhaps slightly slower but that's about it in terms of anything age related.

We have, and always have had PetPlan cover, the lifetime sort, since they were both puppies. Ddog2 hasn't ever had a claim, Ddog1 is another story but all because he's a spaniel and stupid, nothing at all to do with health as such. The almost inaudible heart murmur that requires no medication and hasn't changed since he was about 5.

The combined insurance premium is £270 a month now! I'm debating whether to cancel and maybe stick half of that amount in an account to cover anything. We could cover any costs anyway, but I'm a bit nervous due to their ages and we've been covered for so long.

Is this just a preference thing?

I love my boys so much!

TIA.

We cancelled insurance for our 8 year old dog and less than a couple of weeks later she required extensive spinal surgery due to slipped disks which cost in excess of £10k and months of after care.

I think the main question is if anything does go wrong (fingers crossed it never happens) would you benefit from insurance contribution, or would you be “comfortable” to cover the full treatment cost or worst case scenario saying goodbye to your family members.

I do believe that the whole vet / pet insurance industry needs reform and further regulation as the costs that these independent practices levy are ridiculous and are very much inflated.

In our case, one of the big manufacturers (not mentioning chocolate names) owned not only the specialist vet hospital that we attended but also the insurance company, so they have monopolised feeding your pet, insuring them and then treating them from any ailment / issue as a result.