I've got my cats insured with Animal Friends for £11 a month for their Gold Cover. they work via E&L and "are the only UK pet insurance company to donate 100% of our net profits to help animal charities worldwide." They also offer full lifetime cover and the amount that your animal is insured for is per condition per year - not just per year. They have already paid out when my cat hurt her leg and had a x-ray no questions asked. I would recommend them.