We haven't insured ours for years. Just keep a separate account with regular input and hope the amount built up over time will pay for whatever might be needed. So far this has worked fine but we have only had oldies for years and not needed much beyond one broken leg, corns, dentals and the odd Xray, lump removal etc. With younger dogs which play and charge around a lot more so there is more chance of nasty accidents needing major expenditure, I'm not sure how it would work out.