Thanks for your replies. Do Marks and spencer pay direct to the vet? Are they a good insurance company?
We had to ask M&S to pay the specialist directly as we didn't have the money at the time - they did - but we had to sign an undertaking to say we would pay if there was any issue with the claim.
Likewise, the rest of mine are with More Than - and currently got an ongoing claim that is settled directly.
I spent half a day solidly looking at and comparing quotes from insurance companies.
I settled with M and S on their premier £7k policy too having decided that £4k was not enough.
They have a 24 hour vet line for free too, so if you have a problem in the middle of the night you can ring them first before deciding what to do for the best. I have made 2 claims and both times they paid out with a couple of days.
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