took out a policy when i got my labby 6 years ago and never made a claim. policy was renewed in september she started to limp in november and need an op but they said we failed to advise them of the limp on christmas day when they did an annual review!! when i renewed policy for a year in september there were no probs making a claim in march whats the problem it is within the insurance year!! absolute robdogs! do not use you are wasting your money they never pay out! not worth the paper its printed on!