Lucy is with Healthy Pets - we have had two claims both of which were paid extremely promptly , i have nothing but praise for the company although i know there are a few people on COL who have had issues with them.
I have no problem recommending Healthy Pets , M&S does have a better policy as there is no limit on the amount payable for a condition but it comes at a much higher price and the premiums increase alarmingly as the dog gets older.