Gilly, no, we don't have pet insurance. My sister-in-law does, and it's cost her thousands (pedigree dogs, therefore more likely to have problems). We worked out recently if she'd just put the money aside, she'd be about £2000 richer.
I am looking for work, as after I had my first child I was unexpectedly made redundant, as it's an employer's market, not many people want ot employ someone who is disabled. This is despite me being previously employed, as a consultant, by companies like BT, Corus (when it was British Steel) and a number of software outsourcing companies. My problem is location, I live in Sheffield, the work is in London. I'm simply not prepared (or able any more) to miss my kids growing up, and live away from home.
I have had many rescue dogs over the years, as has my Mum (she used to breed Afghan Hounds), this is the first time we've had any major expense. We had to have one PTS last year (rescue GSD, who had degenerative disease, there was nothing else we could do). The cost of that was fairly hefty.
My husband works long hours as a lecturer, and doesn't get paid what he's worth (he went into teaching as a 'steady' job whilst I was pregnant with number 1), over the years we've been together, we've NEVER both been in work at the same time, one or the other of us has been made redundant, had to give up work to look after elderly relatives then babies, so we don't have a 'rainy day fund', that went long ago when we lost my husband's father.
It is a struggle to put food on the table, we make our own fuel from waste veg oil so we can run a car, so pet insurance that we may or may not need (and haven't needed for the past 10 years) is an unneccessary extravagance. So the last of the family silver (my handbag collection) is going on ebay over the weekend, in case he needs to have the toe amputated. Am praying that the £140 worth of broad-spectrum antibiotics work, so my beloved furry boy doesn't need to have it amputated.