Hi Lisa I agree about insurance, but a lot of people still don't have it. I guess it's down to personal choice/finance. Two colleagues today were saying that they had coincidently found lumps on their dogs (one is a boxer) and neither are insured. I have seen people agonise over the cost of their pets treatment at an animal clinic and I would hate to have to do this. I would rather go without something and pay the insurance.
Please can I borrow your St B as that would really p**s the OH off. It might encourage him to go!!. The dogs win hands (or paws) down over him any day. They are much better company.