Tesco are very good initially and I have never had any problems with them paying out for treatment. However although the premiums were not too expensive to start with.. Beware after your dog becomes a senior citizen they put the premiums up to silly prices! My renewal has gone up to £51.32 a month! which has backed me into a corner as I cannot afford the price hike but if I go else where my dogs previous health problems are not covered. I understand they are a business and need to make money but surely there should be a more reasonable increase in prices.