Oh i think i missed this thread...

I actually don't have pet insurance, in my experience vet bills actually go up if you say you have pet insurance for two reasons, (1) the vet knows someone else is footing the bill so will 'go fo gold' (2) if the owner does not spend more than their excess, then they are not going to feel they got their monies worth.

Scince I was a child we have had 12 cats (not including my cats kittens) and have probably spent less than £500 in vet fees over the years. I may have just been lucky
I guess it all depends if you can afford to take the risk aswell. But remember to check what is covered, check ups, routine treatment (jabs) and maybe even diagnosis wont be covered. So they all still need to be paid for on top of the insurance policy.