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Fran - quite a few insurance companies will pay either to you or the vet, Sainsburys (who I am with) will, but my vet doesn't allow that, so it isn't always a matter of making sure the insurance company will pay to them, it depends on the vets.
My vets dont charge more for the treatment, but htey do charge either £3.15 or £3.85 to fill the form in and send it off, which I think is a bit naughty.
And about putting money aside - it doesn't always work out - if the insurance company pay out for Pebbles insurance, I will get £239 (after my excess), and I have only had it since Aug at £10.66 per month - so I think I got the better deal. And I may be able to get £30 for her blood tests too. Ginger however isn't insured as he is 14, and it was over £14 a month for him and apart from his teeth, he has always been a healthy cat. I do give my vets so much a month for their vaccs and blood tests - but then Pebbles had to have hers 6 months early, so not got round to taking more up yet.
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