We have two dogs and don't bother with insurance anymore - each time we made a claim, that particular thing got excluded! We joined the dogs trust for £25.00 per year, which gives us the 1 million pounds worth of 3rd party liability we thought was essential - just i case one of the dogs caused an accident or similar and the then joined the local vet's healthy pet club which gives us discounted treatment, all jabs and flea/worming treatment for two dogs for £20 for both