My two are both with M&S and I pay £11.21 per month for Tilly and £12.63 per month for Alfie and that's with zero excess on both policies
Alfie's was also renewed in March and it only went up around £1.50 per month. It was the best policy I could find, I love the zero excess as most of their bills come in at around £30-40 which is just under the standard £50 excess fee but is still a lot of money to fork out
and I have had no problems with claiming from them. I pay the vet upfront and fill in my bit of the form, they fill in the rest and send it off and I get a cheque a couple of weeks later. The longest I've waited for a cheque was 2 and a half weeks which I don't think is bad at all.
I'm quite shocked at how high some of the M&S quotes described here are though as Alfie is a young, uncastrated male dog, we live within a major city postcode area (Edinburgh) and he has the all singing all dancing zero excess cover yet I pay less than £13 per month for it