Absolutely appalling company. Wriggled out of paying out on my claim as treated each problem separately and applied excess to each problem when my poor dog had a major op for several conditions. Exactly the sort of company that give insurance companies such a bad reputation. They even had the gall to charge me a cancellation fee when I left them - unbelievable!! DO NOT even contemplate using them; save your premiums each month instead towards any future vet bills.