I have been with this insurance plan in the past.
I paid mine anually and I think it was about £120 or so at the time, and that was about 3 years or so ago.

When I phoned to make my payment the operator went through all the usual terms and it all sounded good to me, as I though if my pet was ill it was a good cover to have, at the time I had a dog and he was worth the insurance to cover his needs if he was ill.

How wrong I was, when my dog became ill about almost a year into this insurance I thought I would be alright as my insurance was in place.
But my dog became ill, he had a very bad cough for around 6 weeks, I took him to the vet straight away, and the vet gave him some tablets to take, of which I knew my insurance did not cover but after the second amount of tablets, my vet advised me to bring my dog in for an ex-ray to investigate further as to why he was coughing too much, so I called the insurance to place my claim on this x - ray as I was supposed to be covered but they told me I was not as it was supposed to be in the small print, ex -rays did not come under in the agreement.
I read over and over it and could not find this statement there at all, so I thought they must be right and I had missed something.

While my vet did the x-ray he discovered my dog had a tumour and had to call me to tell me the results straightaway before he could do anything else, he told me he needed to do an operation and so I gave him permission.

The cost of this operation was £840 and I still thought I would be at least covered for this amount but like before I contacted the insurance and only to be told I was not covered for this amount in full.

I was very disappointed in this insurance because not only did they not cover me for what it said in the policy, I had to keep making calls to them at my cost just to sort the problem out.

In the end they said they would cover me for half the amount of the vet bill, only the operation part, not the x-ray and they said they would do this out of a kind of sympathy grounds, I had never been so angry with them as I was at this moment, as how could they give me my claim under those grounds when I was already covered.

At the time I wished I had persued it further but at the time my dog was seriously ill and after he came home, he only survived 3 days and I had to take him back to the vet and he said he was suffering more because his tumour was pressing against his heart and so would be kinder to put him to sleep so we allowed him to do this.So since I was grieving over my dog I could not deal with the hassle of the insurance claim and so just received half the amount I was entitled to.

I would not recommend this plan, I would just put the same amount of money in the bank to use incase your pet is ill in the future and just put the other amount from your own money to cover your pet.

I since have not got another dog, so far, but may in the future but I do have other pets but without the insurance plan.