I'm with healthy pets and they have been fab over Bens claims - he's not yet 3 but I've claimed far more than I've paid
One of the posts was right saying they don't cover lifetime problems but they have a limit per claim - a few thousand I think
I've now added two cats to the gold cover insurance so I pay about £14-£15 per month for all three. One of the cats has cystistus problems so that is exluded - along with preventative stuff such as vaccinations and dental work . I think that is standard?
I would recommend them from personal experience but I haven't had the new renewal quote yet - when I do there will be problems with Ben that they will absorb - another insurerer wouldn't touch them so I'm happily stuck with Healthy Pets