My two are insured with petinsure,I've never had to claim,but I find the price competitive.
Allianz are more expensive,but when I had an older cavalier diagnosed with a serious illness late last year,it was a matter of my vets filling out the forms,submitting them and they paid up within three weeks.With Allianz,you have to pay your bills upfront to the vet and claim back.
Petinsure I believe will settle directly with your vets if the vets allow them to.
They are a bit cheaper but the coverage is about 25% less if I recall.
If I had just one dog,Allianz would be my first choice.
Sharing my sofa with Holly, Ivy,Lilly and Hazy.. and never forgetting our beautiful Daisy who reached the bridge too soon.