cat/kitten insurance

[Iseeall]

Can anyone recommend very good pet insurance companies please.

I would like a uk based call centre(24hr) and your experiences of when you used your insurance. Did they deal with you/your vet promptly without any problems.
I'm looking to insure my 4yr old and a new kitten, so whats the best policy for two cats?
Lastly, since I last looked into pet insurance about two yrs ago, do any policies now include dental?

thanks

[thecatneuterer]

We've had a recent thread on this topic: www.mumsnet.com/Talk/the_litter_tray/1739838-Cat-insurance-recommendation

[Iseeall]

Yes thanks for the link and I have looked at similar threads. What I wanted though was really more advice on experiences of using your insurance iyswim.
I'm not looking for the cheap option but the best, if such a thing exists.
For instance a policy I have looked at states that you should not authorise treatment until you have contacted them and got approval....? how does that work when you are standing in the vets with a poorly cat?
Any advice would be welcome , thanks

[thecatneuterer]

Bumping for you. Sorry I have no knowledge of insurance as all my cats are foster ones and so treated by the charity.

[thereinmadnesslies]

We have direct line cat insurance. I've only had to claim once (which makes it pretty bad value!). We didn't have to contact them before claiming. I took my cat to the vets and found she needed a minor op for a tear duct absess, left the cat with the vets and called direct line when I got home. I paid the vets up front, forwarded the claim form to the vets then payment came through 6 weeks later.

Direct line have several levels of cover, I think we have the enhanced cover.