I'm looking to insure my two working dogs (terriers) at the moment. PDSA Insurance seemed ideal, offers lifetime coverage for each illness or injury up to the insured amount, their vet fees cover amount is per claim not per year, and importantly they WILL cover dogs who work, excluding coursing. So far, so good! However it all fell down when I queried the ambiguous policy wording about vaccination. The policy document seemed to indicate fairly clearly that if you choose not to give your pet boosters, then they simply won't cover illness resulting from a disease that vaccination would have covered. Fair enough. Upon ringing them to take out the cover however, I queried it to be safe and was told they would not pay out for ANY illness or injury, however sustained, if the pet wasn't boostered up to date. So if (heaven forbid!) they broke a leg for example, the insurance wouldn't pay out because the dog wasn't vaccinated to date?! That seems more than a little silly! I explained that the prevailing scientific (i.e. independent) literature generally agrees that (1) puppy boosters generally last the life of the pet and (2) boosters are at best ineffectual and at worst positively damaging or lethal! My vet agrees that it's unnecessary to booster my dogs, but unfortunately not all insurance companies seem to agree. The lady on the phone was very apologetic and agreed with me that it was daft. She told me there are other 'excellent' companies out there who DON'T require a dog to be vaccinated and/or boostered, but she couldn't tell me who they were. So, does anyone know of a good reputable insurance company who will accept dogs who do not receive annual boosters? Many thanks in advance.