I have been with Animal Friends since Ollie was young and he is eight, when he was unwell in Nov last year my vet asked to look at policy and said he felt it best not to claim has Ollie being eight and the fact that after excess it was about £88 to claim. So I didn't much to hubby's disgust
My vet said that the amount was low as specialist centre treatment would wipe it out in weeks, he also said that the clause in mine to watch out for is out of hours treatment cover, which must be deemed an emergency - at the time I said that anyone who drives the 9 miles to out of hours cover vet clinic wouldn't do it at 3am unless they felt it was an emergency. Still it is an insurance policy
My vet mentioned Agria Pet Insurance as there limit is £12,000. Not looked into it as OH and I decided that the premium would be through the roof with Ollie being eight now. So sticking where I am.
Just thought it is worth a look at and maybe others have heard of it.
Julie