Only one place vets trust is Pet Plan. PP will sort pre-authorisation in majority of cases if needed... say they were to have a major op done and you do not have the money to pay and claim back... ring and get it pre authed. So long as it is pet plan then vets are happy... other companies will do it pre-auth but not to the extent that PP do.
If a couple of things are done say remove a cyst and remove a lump in the same op a lot of companies charge 2 excesses on one operation
Do not put huge leap ups on your cover each year.
If 4 samples are sent off for histo lots will only pay for 1 lump even though generally the labs allow 4 lumps. The ins. companies divide the cost of the histo by 4 even though it is not/lump.
And so many other nasty sneaky tricks.
I think it was Halifax sent a letter out to cancel all policies as they didn't want to do pet ins anymore. I think the ombudsman made them continue with clients they had as any pets with problems or to old were not insurable to others.... but l lost track of that little jaunt.
Make sure you get the for life policy not one that needs re doing every year or insurance companies will only cover for that year even though it may be a life long problem.
Also often if not for life it ends when the pet reaches about 10yrs old...just when problems may well kick in as they get older.
And don't fall for places that offer £....k policy or £.../per condition once that money is gone it is gone and you will pay a fortune. And it doesnt take long for money to be chewd through esp. if it is referral as so often is needed. A for life with pet plan is for life.
And make sure your pets vaccination stays up to date for all insurances.
If you are swapping from another company make sure you declare any problems. If they say had a sore leg a few months ago they will generally discount that from insurance for a year but if there was no further problems then can ask them after 1yr to reinstate.
Hope above helps ... no l am not paid by pet plan l just hate the other companies behaviour for every good story there is to many bad that is seen most days in practice