I am with petplan and have been for about 20 odd years .. first with my Bichon and now with Bob.
its not the cheapest, but i have found it very very good, i have never had a claim dismist, and they have always payed
up very quickly and direct to the vet.
you must go for COVER FOR LIFE. My Bichon Daisy had cruciate ligament in her knee done,
and while she was recovering, using only one leg the strain on the good leg was too much and she ended up having to have that one done as well, this cost a lots and lots, and was on going as she had to have metacam for life, and a pain killer.
you never know what is going to happen to your dogs health... so go for the beast you can afford
once you have used them you can not change so choose wisely