In the first year of having my cat teh surgery bills came out to €1700, which was covered by insurance. At €12.00 per month in insurance - €240 per year I think insurance has made it worth it in the long run!
Well thought I’d post an update that would ultimately answer the question I asked last month. One of my dogs got sick today and was brought to the vet, turns out she had fluid on the lungs as a result of a heart condition. She will be on medication for life.
Boy am I glad I renewed my pet insurance!! Thanks everyone for the advice, dread to think what would be happening now if I hadn’t renewed it.