Pet Insurance isn't any more of a rip-off than any other insurance, providing you avoid the companies that won't re-insure for a condition you have already had treatment for, ie ongoing diseases like diabetes or skin disease. There are now more Veterinary Referral Centres, with specialists who are always likely to charge much more than your own local practice. Many owners want operations and treatments for their pet that wouldn't have been considered a few years ago. Most Insurers won't take on an animal over the age of 8, but you could certainly try an online search. Some Veterinary Practices run their own insurance scheme for their clients, but that is not much use if you are continually on the move. Perhaps the idea of starting a piggy bank for your dog is the best thing, plus keeping it slim and fit.