I chose what seemed the best. It had great reviews. I selected the most comprehensive policy at £33 per month. My cat did have a history of digestive issues, but these had been vomiting and diarrhoea which there were generally reasons for. However on this occasion she only vomited once, bile, and no diarrhoea. She had an obstruction according to the emergency vet, who did many x rays, then operated on her saying it was necessary. we had no choice but to trust them. This cost £4000. We thought it would be ok since we had insurance, but we had to find the £4000 up front because 'pre authorise' literally means nothing. Don't be fooled by it. In an emergency your pet cannot wait days for a decision. So our precious cat had an operation, and it was incredibly stressful- she is a rescue and vet phobic. She recovered. Then we got the message that they closed the claim because according to them having had vomiting and diarrhoea is the same thing as an operation for an obstruction with no diarrhoea and only one small vomit. They are barely similar. Do not trust Waggel, it is all hype. Additionally it was not possible to contact them directly to discuss this. I managed with difficulty to find a phone number. This did not work. Then I tried the chat function which claimed o be open. But the input field was inactive and you cannot send a message. Be assured- they do not want to hear from you and now you know why. For the life of me I cannot find a policy number but I did find this - Waggel if you happen to see this, NFGBA7X.