dont waste your money. as with many insurances you have been blackmailed into believing that you NEED it. in all likelihood you will not.
darrell, never heard such a load of bo**ocks in my life. Bet you've got your bike, house and personal effects insured at the very least
Gooner, we've had dogs for 15 years and currently have 5 working labradors. Would never dream of not insuring ours, at least to the age where their premiums become prohibitive. It's very important to have them covered from day one in case there is any congenital problem. One of ours a few years ago had a couple of ingrowing eylashes which ended up costing about £1000 to fix - paid for many years of insurance. Also, being a springer, yours will get knocks/injuries from time to time as they are so active
We currently use Petplan, but have used others. Go with any of the bigger ones that has the best deal for you. As you say, the premium will go up with age and any ongoing conditions, just like personal medical insurance - fact of life unfortunately