I don't have insurance, as with most insurances- I am of the belief that they take your money and then tell you they won't pay out when you claim for whatever excuse they can think of! I have spoken to one person locally who is with a different vet, she is in a healthy dog club. But the fees are about the same- plus she pays every month as well to be in this "healthy dog club" (but has a bigger dog, who is also rescue - a greyhound, it cost her £190 for extractions last week)