We have had our 4 year old miniature schnauzer insured with Aviva since September 2012. In March this year he became seriously ill with multiple problems. Aviva Pet Insurance have been outstanding - they have paid claims totaling around £5000 quickly and without question. You can choose how you have your claims paid - either to yourself or directly to your vet and during the claim process they keep in touch by text and email - they notify you when they receive the claim form, when it has been passed for assessment and again when your claim has been approved. We have just received our renewal and we were anticipating a whopping rise in premiums, however, this was not the case the premium had only increased by £3 a month. Would definitely recommend Aviva - they have been faultless with our insurance.