I changed over to Animal Friends, and saved myself a small fortune on monthly premiums. They are an on-line company, and so far, so good. My premiums even decreased this year, despite the cats being 14 and 12.
Our dog is with healthy pets. We had a major claim this year, And although they were very slow, they paid up ok.
Cats are with Tesco, lost one to a dog attack a year and a half ago, his surgery cost almost 5k, and they paid up without quibbling. Again, were slightly slow but had no isssues. Previously been with Argos and they also paid up ok on several claims.