Avoid. Avoid. Avoid. Have always been with PetPlan. Thought I would insure my dog with Tesco as it was a lot cheaper. Have learned my lesson the hard way. I will be going back to PetPlan next year. My vet said they only accept PetPlan and now I know why. Waited a month for any contact and after phoning several times they got back to me and literally interrogated me. Made me feel like a criminal even though I paid for the year's insurance in one payment and my dog genuinely had an operation. At the end of the day, my dog is well again and enjoying life. That is all I care about. They are obviously in it for the money and not for the care of animals or the goodwill to people who genuinely love their pets and want the best for them.