My dog (cocker) is just over 2 years old, I was with Waggle before but they just keep increasing the price each year and I have never needed them for anything. No claim, no nothing & the only vet she ever needed I paid out of pocket. So decided to cancel and look at other options. I doubt I'll get lucky but is any insurance like an NHS service where I can just pay a monthly fee then everything is covered? Like how us as a human went into a hospital and It's free as we pay for it monthly I spoke to my vet who said insurance works like reimbursement where I would have to outright pay example £10,000 then claim it back from my insurance but I don't have £10,000 just sitting in my bank so how would it work otherwise? (first time doggo owner so sorry if these seem stupid asking)