Having claimed for over £300 of vets bills in August for my dog, for 2 different conditions, I have received a pay out of £36.76. 2 lots of excess have been charged for one of the conditions because the two treatments ran over the yearly renewal date, 35% deduction for the age of the dog and I have had to pay the vet for the forms signing- this cannot be reclaimed. I'm quite shocked as I have had life cover for my dog for 11 years and expected better. I'm particularly shocked by 2 lots of excess being charged for one illness. Avoid.