I have both my labradors since 8weeks old insured with PIA. The claims online service is fantastic, the refunded claim is usually within a week. I would recommend PIA to my friends however read the fine print!!!!
I was caught out by this claiming a grass related skin rash within the first 30 days, now i can't claim anything related to one of my dogs skin again because its classed as pre existing condition, even though at the time the dog was 9 weeks old. Just read the policy.
I won't be giving up pet insurance because of this cause having 2 dogs under 2 its not worth it, accidents do happen no matter how careful you are .

Approximate cost: $65