I have had pet insurance for my dog for 4 or 5 years now and never needed to make a claim.  I generally go to the vet a couple of times a year, but there is a high excess on the policy to keep the cost down.  It’s not planned vet visits like these that I have pet insurance for anyway, it’s more the unplanned ones that could turn into very expensive vet bills. Maybe I don’t need it, my dog is still quite young - and very healthy and happy - but I guess it’s always better to be safe than sorry with this sort of thing.