Hi all,
have to agree with earlier post , not worth taking the risk without pet insurance. It only takes one trip or fall to break a leg and then it's thousands of pounds for the vets. Personally I'm with Sainsburys, (UK). £16 per month and thousands per year for the life of the dog per condition, such peace of mind in my opinion and a responsible step for all dog owners.
No cons really except the monthly cost and excess, £65, but that's standard vets visit money anyway. Don't leave home without it, even if just for the peace of mind.
Hope this helps,
Graham