We have taken out pet insurance on our 4, but the costs were wildly different for some of mine with various companies. We have the 2 younger ones with Tesco (for life) and the other 2 with M&S (for life) cos it was our cheapest option based on their breed and age etc. I would def get insurance as when my Raggie girl was ill I was really worried that things could get out of hand cost wise and have learned a lesson from that fright....fortunately things went good in the end....but you just never know do you?