I rescued a very fat and unfit Chinese Crested PowderPuff bitch at 10 years of age. For the first two years I did not insure her and she cost me in in the first 12 months of ownership over £2000 for teeth removal and crutiate ligament surgury. She is now very healthy and fit so I decided to try to get her insured and could not believe how reasonable her insurance cover with LifeTime Pet cover. In fact half the monthly price quoted by PetPlan. Excellent service provided when booking the policy and on my recomendation, my friend saved a huge £80 per month on her own dogs renewal quote. (Wish I had known about the Refer a Friend Scheme).
I just hope I won't need to make any claims.