I Searched for ages to find the right cover,
I went with Pinnicle, fab!
Life long cover not the normal 12 months, yes I did have to pay the first 15% if over Â£300 for each illness but then it was covered for life with Â£6000 per year, so like Donna said I payed the once but can go back again this year, next year or the year after that for my repeat MRI's for the SM or any other condition and medicines unlike the pay free policys which only normally cover the 12 months and then finish on that illness.
I cover all 4 with them, wouldn't look elsewhere. premium is Â£12.50 a month.
i have never heard of pinnacle so am going to have a look at some info on them now, i have also looked at petplan which seems very good and more than pet insurance looks good too..