All ours are insured, and with seven animals it does add up. I did think about putting the money into a savings account instead, but there are things that pet insurance pays for other than vets fees - public liability insurance, for one. No matter how well you look after and care for your dogs accidents happen, and given today's increasingly litigious society, I would not be able to save enough to pay out if I were to be sued. For example, on the thread about the trouble we are having with the yobs, I explained how during the night they had taken off one of our fence panels (it was behind the shed and so we wouldn't have been able to see it from the back door). If we had let the dogs into the garden and they had run out into the road and caused an accident, we would have been liable.

It's a pain paying out the insurance, but it does buy peace of mind on more than one front.