I have had VetsMediCover for my 2 cats for some years now and choose to have a high level of cover. Although many would consider this expensive I believe it is worth it as you never know what is round the corner. The premiums are quite competitive and with pet insurance never go for the cheapest, it will open a whole world of disappointment.
As a retired vet nurse I know only too well how much treatment can cost whether it's an emergency or a chronic disease. I have only had to claim once when one of my cats had to have extractions and treatment due to an underlying dental condition. It was easy to sort out with VetsMediCover and renewing my policy every year is very easy.