can I just say, I work in the veterinary profession and i have seen this situation too many times so likewise, I also have views on these matters.
i have seen many much loved and well cared for pets receive a substandard level of health care because they have no insurance and the owners do not have enough money, which to be fair, not many people - myself included have the spare amount of money lying around to pay of a vet bill that can amount up in no time in cases of emegencies or illnesses to which none we get warning of.
We are very much unaware in the UK to the cost of drugs, treatments and surgical procedures due to being fortunate enough to have the NHS.
I am therefore very pleased to hear that you and your partner are now deciding to have insurance for your pets.
Best wishes and health to yous all.