This is a very good organisation. Let's face it, pet insurance isn't cheap but when it comes to our furry friends, we willingly spend the money. That said, insirance companies are always the most positive experiences, however, I've had cause to claim a couple of times. One was when doggy ate large dose of chocolate and more recently a major operation (fully recovered). Both claims were deal with efficiently (payment does take a little while but it does come in full) and without any resistance. Staff there are really friendly and helpful. I highly recommend vetsmedicover. Fair on price. No quibbling over payments. Claimed are straight forward.