I'm with Petplan and my Moo-Moo had problems with his anal glands so much that they had to be removed
.
Moo made a complete recovery from this operation and Petplan paid for the lot baring the excess.
I cannot remember for the life of me though, if they calculated back the visits we made to have them emptied and paid up for those visits too..........within that policy year.
(Going off-topic..........Petplan did pay for all his visits and medication within the last policy year when he had poorly ears minus the excess.)
I've got 3 dogs insured with Petplan, a total of over £100 per month, much as I'd like to change, they all have pre-existing conditions, so really I'm snookered.