this company changed underwriters after 3 of my pets had been with them for several years without claims. they changed the rules of the policy in their favor to make claiming difficult my policy is nothing like the one i took out originally. we needed to claim they would not cover my cats problem because his treatment is intermittent and not constant but the condition needs treating every couple of months. so they do not count the condition as ongoing therefore i have to pay the 1st £100 and 20% of bill and unfortunately his treatment does not exceed the access