It's only when you need to make a claim do you find out if you have good insurance! I couldn't recommend Agria enough, I have changed cover a few times over the last 3 years with them, each time has been hassle free and quick. They are one of the few that offers breeding cover, which is at a very reasonable price in my opinion.
Only last month did we have to make a claim - all I can say is thank goodness for insurance! After a horrendous accident which left one of our Shelties with smashed hips and a badly broken front leg, Agria have paid out £7,300 so far quickly and without fuss. It was such a relief to be able to get her the treatment she needs without worrying if we could afford it. Making the claim was simple and the customer service was excellent, and the proof is in the payout! Definitely highly recommended.