More than are a great dog insurance company, they do pay out and respond quickly. When our German Shepherd required treatment, more than took care of the claim with the vets and paid the bill directly. We had an excess to pay, standard fee. The vet bills came to near enough £2000 and without more than we would have been unable to pay.
They offer a good service, yes the cost does go up, due to age related conditions a pet can get. But they are reliable and don't drag their heels in.