I would imagine they all cover cancer, I can’t think of anyone that would exclude it. The important bit to check with whether you get lifetime cover or cover just for a year after diagnosis.
As for the paying direct, that depends on you setting an agreement with your vet to arrange direct claims. It is most vets policy to get the money from the owner and then the owner get reimbursed by the insurance company, however you could always speak to your vet in advance about the possibility of arranging a direct claim. I haven’t heard of any insurers that don’t do direct claim, but I may be wrong.
Also remember to keep your vaccinations up to date, as it’s a clause in most insurers small print and if you lapse then they won’t pay out for anything (vaccinatable disease or not).
I can’t give you an actual insurer to go for – a) because they’re all so different and it really depends on what you want and b) because I’m legally not allowed to as a vet!

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