DH and I had spaniels for years - dozens of them. It was really out of the question to have individual insurance, so we just bit the bullet as and when. As others have said, so many practices were taken over by multi-nationals, prices doubled overnight and often unnecessary treatments foisted on owners at the most vulnerable of times. At one stage, our elderly cat was diagnosed with a heart problem. The tests were £500, and monthly meds of £90 a month prescribed - but when it was also suggested they repeated the tests six months later we refused, saying he was six months older, so obviously he would be worse, as we had already been told he wouldn’t improve.
In the end, we preferred to move to a Vet further away - a small private practice, used to dealing with working animals as well as pets and they were more than happy to supply prescriptions to buy meds online - especially routine painkillers/joint meds (Loxicom) often needed for working dogs. Flea and worming meds also came in at less than £2 a pop online. I feel sorry for a couple of friends, inexperienced dog owners, who hang onto their Vet’s every word and pay whatever’s asked.
I’ve begged them to get their routine meds online, but they won’t and pay 5 or 10 times the actual cost.