I insure my two dogs with Tesco. The prices keep going up every year, especially as the eldest is now 9. I had the prices for £60 excess and £120 excess. I opted for the higher figure as it was cheaper then paid the difference between the two to the vet on standing order. The reason was that I get a discount at the surgery and accrue money for small things such as vaccinations. They have lifetime cover up to £7,000. I chose this in case of something like diabetes which needs more than 12 months treatment. Over the years I have claimed a very few times and they paid up without too many problems.
I was told by my friend that Tesco won’t pay for drugs that can be bought over the counter, even if they are prescribed. This caused a lot of expense for her as at one time she had two large dogs on Denamarin. Things like treatment such as Protexin for diarrhoea would not be paid for. I don’t know whether this is widespread among insurance companies but it is something to look out for in the small print.