Chose this company because of good reviews and after previous company excluded all skin and ear conditions even though there had not been any recurrences for 2 years leaving me with little faith that they would pay on any claim for other ailments in the future. Set up the policy on the phone dealing with a real person! not a robot in a call centre! Hope they will be as helpful if I have to make a claim as they were when setting up the policy. My dog is nearly 9 and they assured me that the premiums would not rocket next as they do with so many other companies.