I use Petplan - with my recent MASSIVE claim for Radar's treatment (£6,500) they dealt direct with the vet, the only thing I had to do was check and sign the forms that were printed out for me at the vet hospital.
My little sweetheart was in and out of hospital with surgery and complications, having my vet just print out something for me to sign rather than having to find the money (£6.5k
) and claim it back afterwards was really useful.
I did put some cash up front at the first visit (the usual fee for a consultation) but that was taken into account and I was sent a final bill for the excess that that insurance hadn't covered after all the claims had been processed - that was awesome, the last thing I needed or would have been able to cope with was any *more* stress from claiming for the initial surgery, then the first time he went back into hospital, then the second time - vet and Petplan sorted it all out between themselves. We ended up paying an excess and stuff that wasn't covered of about £1.1k or thereabouts.
I should say though, insurance is something you should get when they are young. If they aren't little when you start, the premiums will be high and you might be better off putting £10-£20 per cat every month into a jar or a bank account for vet bills.
EDIT: Oh Nate used to have a moan every month when he looked at his bank statement - "why the fuck are we paying for pet insurance?" Not heard a peep out of him since they stumped up thousands towards Radar's surgery and aftercare. I think that is one disagreement we will never have again.
The best reward is my little cat being well and a furry horror once again, but having Petplan and the vet deal with the claims between them was really good, I am not sure I was in any fit state to fill out claim forms during Radar's health problems - could concentrate on helping him to get well (which wasn't wait and see, it was 5 liquid feeds a day 4 hours apart, sterilisation of equipment in between, care of the stoma and bandaging, and trips to and from the vet and sometimes stays in hospital - and yeah I visited him in hospital - basically it was not easy for me and I was exhausted).
The most valuable thing about having insurance was that the treatment he had was based around his prognosis and welfare, rather than cost. We didn't have to make any decisions with our finances in the driving seat.