I have my dogs with NFU as i also have a horse insured with them.
I had a horse vet bill in the summer for £1600 which was settled within 2 weeks
Im sure the dog side of things will also be good.Most of the horse owners are with them and also have dogs, i have only heard good reports of them paying without weeks of arguement.
I think i pay around £30 per month for my bernie, all covered with no exclusions, i cant see the point of having an insurance without covering hips, elbows etc.
1st bernie had hip dysplasia
2nd bernie had ocd in the shoulder (died of cancer at 9 years!)
Karen