A very poor experience from this company. My dog had an emergency op. I attempted to claim but they first of all denied they had received the form that I had sent (complaint 1 - never answered), re sent and they denied the claim by some very dubious wording regarding conditions (complaint 2). I have gone through to the ombudsman to sort. Avoid this company as they will not pay. Please go to a reputable company. If a vet is advising against this company then you really should look elsewhere.