Hi all, Just after some opinions on this. McKenzie is now 10. Because we lived in the UK for her first 18 months, when I took out insurance here there were a few pre-exisiting conditions which aren't covered. She has a heart murmur - not covered as it appeared before we moved. She is on incontinence meds - not covered because she had a UTI before we moved. She had some bad ear infections this year - not covered because she had an ear infection before we moved. Because of her age, I pay 35% of any claim, plus a $150 excess. Up until this point, insurance had still been worth it, but now her policy payment has gone up again and I'm not sure, with the exclusions, that it's worth it any more. I'm thinking of cancelling and starting to pay into her own bank account. I do have some savings at the moment if something horrendous suddenly happens, but will eventually use those savings so need to be able to rely on the bank account. I think this is the right choice to make, but cancelling her insurance is a bit scary so would like a bit of perspective please!