My dog has been insured with M&S for years. In 2013 he was diagnosed with Primary Lens Luxation and had to see a specialist. So the good points...

M&S were brilliant, friendly, helpful and paid the vet direct very efficently.

The bad...

My premiums have gone through the roof, last year it was £980 and my latest renewal is £1385 per annum. However, they did pay out £1800 over the past year, so in the end who is to blame for the increase...the vets who charge high prices.