Cat Insurance recommendations please.

[Hippykitty]

Who are E&L?

A friend has her 5 insured with Tesco, but they have a weird system: females, regardless of neutering status, cost more than males to insure! Their age system seems odd too. She's tried to explain it, but it's very muddled. There are also several levels of insurance. She's paying a fortune.

I'm eligible to take mine to the PDSA. Have avoided this in the past because of suspicion that if they're watching the cash, they won't be able to perform certain proceedures (like the NHS!); also, was a big fan of one of the vets at the surgery I've used, but he works less and less due to ill health.

Have been considering insurance because vets are so expensive now. Sam, bless her, cost me about £1000; though I don't begrudge a penny of it I want to be prepared if anything happens to Vic or Fred. 

[Millys Mum]

I mainly use petplan and have one kitty with axa, i rate petplan alot better, much quicker at paying and havnt quibbled lolas specialist visits and have lifted simons exclusions. Axa on the other hand have taken weeks to pay me £90 for gooey 

Everyone has different experiences with all companies so the one thing id say is to avoid ANY policy underwritten by E&L 

[clarenmax]

Same with Max, we did not vaccinate due to FIV and they were informed of this.  They just wouldn't cover any illness relating to lack of vaccination I think.

[Fire Fox]

AXA have fully vaccinated in their terms and conditions, however they were happy to cover Noah when I explained he had a bad reaction and cannot have boosters.

[Kay and Penny]

AXA will accept cats who have not had vaccs but of course will not pay out if they catch any of the diseases they could have been  vaccinated against

[clarenmax]

I'm AXA all the way as they were great with Max and the various claims we had with him 

[Hippykitty]

I'm considering having Victoria and Fred insured against vet bills. I don't know where to begin looking. They are both neutered and had original vacc.s for FLV, flu and enteritis, but I prefer not to have boosters. They will be approx 3 years old in June and are in good health at the moment.

I want a policy which doesn't require yearly boosters or bloods and will pay out quickly when necessary. I don't really want to cover the cost of them going walkies, or crossing the bridge (they are both domestic short hairs), just vet bills.

Has anyone had good or bad experience with various insurers? Any advice would be very welcome, thanks.