Petplan paid out a fortune over the 3 and a half years our GR Cassie had epilepsy. We paid quite high premiums (over £40 a month for the last year) and a £90 excess a year, but her drugs alone cost over £60 a month to begin with, then over £160 a month towards the end, and that's not including consultations and specialist investigations - she went to the AHT for investigations last Nov (brain scan, spinal tap and blood tests) and that alone came to almost £2,000! They never once quibbled, and even paid out when she had to be pts.