We're with PetPlan.
Yes they are expensive, but I've looked around so much and they are giving us the best lifetime cover, plus a lot of the sites I've been on don't state whether it is lifetime cover or not.

We haven't had to claim anything yet, but I've heard so many good reviews about them.

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They are the best. I don't even have to pay bills at the vets, they just claim from them direct.

I had 4 weeks free with Petplan when we got Tala, and have just insured her going forward with Argos Platinum Insurance. While I appreciate Petplan is probably the best cover, they wanted around £40 a month! Thats almost double my car insurance!! Argos is £10.25 a month which briefly covers:-

up to £7000 a year vet bills
Unlimited treatment period
£1500 death from illness (unless over 9 years old)
£2m 3rd party liability
£1000 advertising & reward
£1000 boarding fees
£1500 Theft & Straying
£500 accidental damage

and a £60 excess, which seems about what you pay the first time you see a vet anyway!!

I thought £10.25 a month was very reasonable.

HTH
Julie