Had a traumatic weekend where we thought we would say goodbye to one of our three dogs. After many tests and exploratory procedures he made a full recovery. Insurance claim submitted and paid with no fuss and we were phoned to make sure we had received the cheque in settlement!
Might be slightly more expensive but you get what you pay for. No huge rise in premium and excellent service. No call centre, local office with one person who deals with your claim. What more could you ask??