You might as well throw your premiums in the bin as this company rarely if ever pay out on a claim. They do not cover normal pet illnesses and accidents and stick to a very specific list which is a huge joke. The are on Facebook and the posts on there from customers, all negative get deleted by them when they feel like it. Thanks to them I now have 2 elderly uninsurable cats who I am unable to get treatment for. Petpals, a name that is a lie has to be the worst pet insurance company in the UK. I hope that all the bad comments get somewhere but they are so arrogant I very much doubt it. I am doing the Ombudsman thing and should everyone else. Good luck in your fight against these people.