All ours are with M&S at the highest level of cover:
Two Springer girls, Pebs & Phoenix coming up 8 = £38 & £37
Zac the Cocker coming up 5 = £20
Tango X breed also coming up 5 = £16
Bella JR coming up 6 = £11.34 (only took this out this year so I think there is an online discount)
(All our birthdays are in Nov/Dec
)
My OH has had to claim for the 3 Spaniels at various times for one off incidents (Phoenix managed to slice open the same leg twice in six months on walks) and he never had any problems, paid out quickly etc. I think at a certain age they start asking for a % of the claim as well as having the excess. I have thought about changing for Tango as I was paying half that amount 4 years ago, but I think I worry too much about the exclusion of pre-existing conditions even though he has nothing wrong with him.