My two are with M&S which offers better cover - zero excess and £7000 per illness per year for life and I pay less than £25 per month for both of them.
Weve got the same cover for Nell (Lab) we must have claimed over £600 since Nell was dignosed with hypothyroidism last year, she has to have blood tests every few months and is on medication for life, and they've always payed out within three weeks.
