Very similar to me in that aspect, younger two are insured however the older one isn't. Ultimately she's at the age where if something was to happen, she wouldn't be getting treated anyway. If it involves insurance it's usually a substantial issue and she's too old for it.I have my two younger dogs insured. My older dog I have a saving account and put a similar amount of money in there.
I am currently thinking about getting third party liability insurance, but this may be covered by my house hold insurance
Flip side, my pup ate a Sock last year and the cost was bloody huge. I'm happy he was insured because if he wasn't it would have been a few K on the credit card