This is such a difficult decision and it would be wise to look at the small print on both policies. I have always stuck with Petplan, a more expensive policy, but I have always been impressed with the way that claims have been dealt with and our vets recommended them. Our 1st Cocker Spaniel had a lifetime policy with the Kennel Club, at the time this was cheaper than PetPlan. However, after we made a claim, the policy was taken over by Pet Protect (I don't know if this was a timely coincidence or not). What we did notice was that the premiums seemed to go up at a ridiculous rate year on year (Barney had a lifelong condition which meant we had to claim every year). In the end, his premiums on this policy were more than they would have been on Petplan. Petplan say that they never put up a premium because you have made a claim. I know that the premiums do go up each year due to normal increases. I also know this is true as we have our four cats insured with them. We had to claim for Bluebell but her renewal policy fees were the same as for the other girls (male cats are slightly more). Good luck with whatever you decide, I am not trying to say one way or another but wanted to highlight our experiences with you. Jacqui 
I'm stuck on PetPlan and it is so expensive, not only that I just found out that once my girl turns eight I have to pay 20% of any claim I make! So I'm between a rock and a hard place at the moment trying to decide what's the best thing to do
. Brodie has had too many (minor) problems at the vet for me to change.
So I agree with checking each policy very carefully, in case something like this 20% comes back to bite you
