I would not recommend Sainsburys Pet Insurance I have been with them for 10 years , 2 years ago I had a problem with them I cancelled 1 policy , then 2 weeks ago my dog died suddenly the vet sent a claim and they have refused to pay out they took £72 a month for him as gold cover then I get a vet bill cause they won't pay out also they took a payment of my account and refund it but deduct £20 off it not even a letter to say I heard off ur loss .. One off the worst insurance companies ever .. Please avoid..