[QUOTE] It's a sad thing: but many owners would then have to decide whether to put down an injured animal rather than face the expense of attempting to save its life.[/QUOTE] We are fortunate in that we are not living up to our means - we have money available (in savings) to treat the pets if they need it. Putting it into savings rather than insurance is far more effective.. [QUOTE] The other trouble is that now most people are opting for insurance the vets get to charge pretty much what they like for their service. Which[/QUOTE] Well yes - that was also one of our reasons! [QUOTE] where body shops and replacement hire cats are now so expensive.[/QUOTE] These hire cats - are they trained to hunt? :-) Phil.