had X-rays and treatment for our dog that highlighted severe arthritis in his front legs. The cost was more than the £500 per condition limit so ewe only claimed for £500, which was rejected as being a pre-existing condition. Spent 6 months "debating" this with them then they said that's it we're not discussing anymore. Contacted the financial ombudsman who have contacted red sands insurance, who I assume are the holding company or something. Am waiting for a reply. Anecdotally complaints about rejected insurance claims are up, mainly with pet insurers and mainly around defining claims as being for a pre existing condition. Avoid this lot at all costs.