[DanaC]

Yeah -that is just his hips stuff.

Insurance isn't for day to day healthcare, it's for the big stuff. If he were to develop kidney trouble as a result of his pain meds for instance, that would result in regular medications that wold be covered. If he were tohave a road accident and require treatment for a broken leg, with rehabilitative programme that would be covered.

A road accident could end up with £2000+ of treatment needed and that's what insurance is for. Or diagnosis of kidney disease or diabetes that require long term expensive treatment

I don't want to have that conversation with the vets where we have to opt for euthanasia because I don't have the money for kidney dialysis or hip replacement op.

The insurance policy he's on is up to £39 per month because we claimed on it. Without that policy he would not have been able to go for 6 months of hydrotherapy, specialist hip analysis and physiotherapy when he was first diagnosed. Had he not been diagnosed with HD, and we not had to claim on the insurance, we'd probably still be paying £28 / 30 per month

Finding £39 per month is hard. Suddenly having to find several thousand pounds because he needs a hip replacement operation would be harder.