Speak as I find!
After being insured by More Than for 8 years after one claim for a minor operation my premium was substantially increased. I cancelled my insurance with them and insured with Animal Friends. Fast forward 2 years and my beautiful labrador was diagnosed with an extremely aggressive form of skin cancer after having a dew claw removed. My experience with this insurance company was totally positive. The vet made claims on my behalf and I paid the 20% that I was obliged to pay as she was 8 years +. After her death I cancelled her insurance that had just been renewed at the same monthly payment as before she'd been diagnosed and received a letter saying how sorry they were for my loss and cancelling my standing order. My vet said that dealing with this company had become easier as it was now all done online and once this had been introduced I only had to sign one claim form.