Hi so I have my renewal. I have to stick with my insurer due to existing illnesses. I have been paying a lot the last year as I wanted to cover everything, so paid for lots of upgrades. I will obviously continue with vet’s cover, but it’s my extras that cost me an extra £700 a year. Death cover is extra 1 and is the most expensive extra I have and the other is loss of use. I have read such mixed reviews on these and I don’t know whether I need them. Once they are removed, they can’t be readded. My horse was bought for 6k but now has a chronic illness which is likely going to shorten her life, but by then the amount this cover is going to cost me, negates the money I’d get in a payout. But I wouldn’t be able to afford to replace her. Just wondered if anyone can help with any advice/experience. Thank you