Blondiescot
Apart from having pet insurance to meet the cost of any health care your dog may need, you also need to take into account that most pet insurance policies include third party cover which would cover you in the event of your dog injuring another person, for instance. If your dog was to injure someone - not necessarily biting them, it could be knocking them over or anything - and that person were to make a claim against you, it could turn out to be very costly indeed.
I was just about to say this, too. I took out insurance when my usually well behaved spaniel took off one morning and ran towards the main road near a school at rush hour. I wasn’t concerned about health insurance so much as they were a hardy breed, unlike my whippets that, tough as they are, have a habit of running into walks and fences ( although I do tend to wrap mine in cotton wool and only let them off lead in secure fields or on the beach). My whole life flashed before me in that moment. Thankfully I managed to catch her before she reached the road. She had been in a field quite a distance from the school when she ran off.