I've had pet insurance with them for 12 years now. Never jumped ship every year to get a better deal, stuck with them thinking loyalty would pay off.
Never claimed once until this year even though the premium has been rocketing up since he was 8,even though he was healthy.
This year I claimed £326.92 for a heart problem. Just got next years premium through and they've near doubled it. From £477.47 to £859.31.
Bearing in mind I have to pay the first £200 then 20% of the bill its ludicrous. His medication is only £30 per month, I still have 2 months left so that works out that it would be November before I could claim anything, that would be £10 and they'd pay me £8 of that. Also on his last visit to the vet, I asked the vet for the prescription so I could buy his meds online, lowering it from £76pm to £30pm. The prescription cist me £15,but More Than refused to pay this, even though it was hugely beneficial to them. Happy for me to pay it and them reap the benefits.
Truth is, they love your pets while they're young and healthy, but as soon as they're old or sick they don't want to know.
They've had thousands out of me in premiums and I've got £326 back, now they've made it unaffordable.
Avoid like the plague.