I have had to fight for every penny of a claim for my German Shepherd, I have been lied to and given incorrect advise. They first turned a claim down because my dog had not been ill before?I fought that one tooth and nail and they backed down, i phoned the help line for advise regarding complimentary therepy and was told i could proceed. After my dog had a course of treatment they wrote to me rejecting the claim. I now have a £500 bill. DO NOT USE Sainsburys pet insurence or quite frankly any sainsbury insurence product.