No, I didn't have insurance before! I had just put aside money into a bunny fund every month and so far it's paid for all emergencies and is still looking very healthy! I felt PP was rather expensive so when the cheaper P@H option became available I took it up. Primarily so that I have complete peace of mind that should D or D develop a more serious long term problem or something that requires very expensive treament they will be covered. I can afford to pay for dentals myself which I think is the main bone of contention with bunny insurance, this is really in case much more expensive health problems crop up. I've taken out life cover and it was less than £14 for both of them plus they have sent me £20 P@H vouchers! I will also continue to put a minimum of £25 in their bunny fund each month as a back up!