I am using Virgin Pet Insurance for Murphy the DH, it costs me about £19 a month, it was £16 when he was a puppy, so it has gone up a £ a year, I decided to do an internet search the other day to save some money, some wouldn't touch him now he is 3 and others were over £30, so I'll stick with Virgin. They paid out when Murphy had an accident when he was 18 months old, straight away. I haven't got the terrier insured, I am touching wood as I say this, but they are less accident prone that DH's! I wish I hadn't written that! Sods law springs to mind