I have given Waggel 5 stars although have not yet tried to claim from them. I did exhaustive research. Waggel were slightly more pricey of the affordable options, but there were a few that were much higher, and you get a much better deal with them as far as I can tell. When I needed to contact them it was easy and straightforward. At least one company we considered had zero contact options, and some others took ages- days or a week, to respond. I wanted an insurance that would not introduce a co-payment when my cat reached 9- which is next year. I would prefer to pay predictable amounts, even if premiums were a bit higher (though this wasn't the case with Waggel). I didn't want hugely high excess either- with Waggel you can choose from a sliding scale of excess, and just pay a little more in premiums if you prefer. It's a case of trying to figure out what works best for your own finances, and your expectations of your pet's needs, which to be honest is almost impossible to do. That's why we opted for assuming the worst could possibly happen, and we didn't want to be caught out as our cat is very precious. We took out a reasonably high, life time cover. Our pet is quite protected in that she doesn't leave our garden, or ever catch prey, but we want to protect her health as she gets older. I was also influenced by reviews. I really scoured around, and Waggel were consistently praised, for the good policies as well as their responsiveness and paying out too. They will pre-approve some treatments-which not all do- and it can turn out to be life-saving, if you have to make a decision to pay for very expensive emergency treatment but don't have the money up front (I read about this happening to a very distressed lady on another insurance site). They also offer vet video calls, and I found that although many do this, not all do. My cat is absolutely carrier and vet averse, so this would be super helpful at times. So, although some companies offer slightly cheaper insurance, it looked like a false economy that would cost an enormous amount more in the case of an emergency. I am just hoping that if we need them, they turn out to be as helpful as the existing customers have said.