I had all mine with pet plan but found them too expensive(i have got 8 cockers)i am now with Sainsburys,£100 excess,£7,500,vets fees,covered for life but from age of 9 i think its same excess but also 10% of bill.I got some really good deals too,the 2 pups are £12 each with £30 shopping vouchers each plus last 3 months free,Tia was £26 with pet plan,it is now £6,i have saved so much,you need to shop around,also want to make sure they will pay vet upfront.i e rather than you pay the vet., then the insurers reimburse you.Sainsburys did win a top award for pet ins.