Hi, I am with Animal Friends who are insured via E&L. They claim "We are the only UK pet insurance company to donate 100% of our net profits to help animal charities worldwide." They also insure you for each condition per year so if some say you can claim up to £4000 a year Animal Friends actually insure for that much per condition - and you can have several conditions per year. My cat already had to have a x-ray and medication (she's only 10 months) and they offered to pay out very quickly (although thinking about it I have not received the cheque yet, lol).
Hope this helps.