Never had a problem in 10 years of Essential policy, going from £8 to £33 over that time for my cat. Claims instantly dealt with directly with the vets. You cant insure against a rubbish vet (Fivelands in Moseley) but Direct Line can sort them out for you! My beautiful cat died in a very short time of cancer - no aggravation they covered the £1100 emergency bill instantly plus follow-up claims over his last two weeks. And when you have to ring, they are KIND!!! Priceless!
I've just got my new kitten, no question about insuring with Direct Line again, although I've learned my lesson and covered dental this time!
Domestic Short Hair