I have a 20 year old cat with Renal failure, potential tumour on her kidney so she lives out her days plodding around and snoozing. I am currently paying £70 a month (over £800 a year) for her insurance which is a huge amount, her medication costs around £15 a month, she has occasional check ups with are between £20-£50 depending on if they do bloods so I hardly claim. the last year the total was around £150-£200. I have always had insurance in case anything big happens but she is at the age where if something major happened or she needed an operation I have to honest and say that I wouldn't put her through the stress of it, just going to the vets causes her so much stress and its horrible to think of but she would be unlikely to survive an operation. It is unlikely I would need to pay out a large amount so think my insurance is a waste of money. What do you think? Too risky to cancel it and pay any fees myself.