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Yeah, the 3rd party aspect is the one thing that worries me and I'm aware that I am exposed.. I might look around to see if I can just get 3rd party cover on its own (i.e no medical stuff), indeed it may even be on my house insurance as that's got something about 'pets' in it. (probably just...

When we got out first dog we had pet insurance the first year, and then stopped as we realised it was a huge rip-off. After that first year we put the amount we would have paid in premiums into a savings account. Since then (2002) we've covered all our animals treatment bills (including the...