Yes the amount of excess is different and also what they offer and terms and conditions. It maybe you get a lot more cover with Petplan but I think they are expensive and that excess is high.
Look at M&S, AXA, the latter underwrites the former and tomorrow I am telling M&S to
off and moving to AXA just cos of the difference in rates.
We dont know much about AXA in terms of payout speed but I just cant afford M&S anymore.
When you do comparisons you need to make a chart and put all the important to you things on there and then see which one you think you want to use.
Make sure you you get cover of an amount each year and petplan and the other two do this.
I cannot see any difference in terms and conditions for M&S and AXA, just the cost!