The main weakness of this policy is the way the vendors expect to be paid for answering the phone (0844 number). Fortunately, you can get a claim form by emailing petinfo@bdml.co.uk and the alternative phone number 0800 032 2297 works well without racking up big bills.

My claim was paid very promptly, and though the deductions were more than I'd expected, each one was clearly described, and accorded exactly with the policy details. Even special diet was included for the first month of the claim period. I renewed the policy happily.