don’t ever use more than pet insurance. I Insured my dog with more than from the age of about 12 months and it cost about 6.99 a month. When my dog got to 10 years old it went up to £83 a month and when he got to 11 it went up to £182 a month! And I wasn’t claiming for a lot. Medication for arthritis was the main thing. I was horrified and now my dog isn’t insured.