Cancelled with a reputable company for these people, worst idea I had. They have taken my first direct debit payment and when I tried to claim, they declined saying I was hours short of the 14 day waiting period. They had taken my money though so if I wasnt covered on that date, they should have taken it after the waiting period was over. Then slapped an exclusion on any digestive illness in the future although this was a gastro bug and they DIDNT pay out anyway. Ive now cancelled my policy and will set up my own savings account as you are sure of your OWN money if needed. These are not ANIMAL FRIENDS quite the opposite. They also refuse to give their surname saying that "is their own personal information" which we the customer are not entitled too. Why do they need our full names then?