[gemy]

Hi OP

I don't know the insurance laws or coverages in your country. For example in canada 70 pounds a month or $140 is one hell of an insurance policy for one dog. They better cover everything all the time with no life time amounts, no exclusions for genetic defects etc.

But I don't know what is usual in your country. I don't know the average cost of vet care, or emergency vet care etc.

I usually advise my puppy owners to start with a "doggy savings account" prior the purchase of a puppy. Say at least $1000 in it (or about 500 pounds). Preferably $2000 ($1000 pounds) in it. Then budget annual vet costs for about $700 the first year to cover spay, bloodwork, etc. After that about $400 annually. And add each month another $50 to your doggy savings account. If you start out with a doggy savings account you have some security and breathing room.

Now I am not sure about the age of your dog - I am assuming young. So before cancelling any insurance I would advise you to start your doggy savings account and try to built that up in the next year or so. Perhaps you have a tax refund coming that could be a good starting point on the savings account.

Here is one thing everyone should consider. I know we look at puppy's and their health issues etc; but if life is good to us; we shall have our Yorkies for 15 yrs or more. As dogs age, they all need more medical care. Medications and testing for problems can be expensive. So either insurance or doggy savings account is a must!.

Good luck with your research.