It's getting very very expensive for our cat (who's at LEAST 10 years old now) - but, despite never ever having claimed on it - I won't cancel it because I never ever want to be in the position where I'm making treatment decisions about her based on monetary reasons.

If you've got the means (or willpower to save the money each month) to pull out if you need to - then yeah, but we don't and that's why, even though I'm really down on it having never ever claimed on any of the policies, we fork out a heck of a lot each month for it (off the top of my head the younger dog's £20, the cat's about £20 now cos of age weighting and the older dog's over £30).