I've been using Tesco Pet Insurance since 1998. I have greyhounds and lurchers and at one time I had six dogs. Never in all the years I've been with Tesco, have I had a claim refused. And gosh, haven't I put in loads of claims amounting to thousands of pounds. . Tesco have always paid out promptly and when I've sadly had to have a dog put to sleep, Tesco have always been very kind and sympathetic. To date, I cannot fault them.