Since working at the vets i have been shocked by the amount of money people have to pay out for medication and ongoing treatment. Both of mine are insured with tesco's (about £15 a month) but this only covers each condition for a year and stops at the age of 8, so is practically useless, since most owners paying out huge amounts of money have elderly dogs! My practise reccomends pet plan, as they offer lifetime cover and are really good at paying out. Only problem is that i am on a budget and for both dogs the premium would be about £30 - £40 a month, double what i am cureently paying, and the excess is higher. From doing a bit of research i have found that M&S offer lifetime cover, and cover a lot more 'extras' than pet plan, plus the premiums would be about £24 for both. I know its stupid but i just keep wondering where's the catch?! What are M&S really like with paying out and do they really offer life time cover or are there loads of get out clauses?

i got 5 fcr with m/s with no trouble paying out,i got 1 at 13,40 4 at 9,70.