insurance vs pet plan

Hi everyone,

my dog mya (8 year old labrador) is on pet health club right now (mainly for the free consultations) however she is getting old and has some lumps on her lower side (not been to vets yet as she already has an appointment in a week)

my problem is if she has cancer i genuinely can not afford surgery, do i cancel the pet plan and then get insurance?

i can afford one but not both (unless somewhere does £20 insurance) she got diagnosed with sciatica on Thursday aswell 😓