So for us, the important factor is the policy having no age limit and a choice of cover options that were not limited per condition for the life of the pet or policy. As a price comparison, our Westie is 9yrs and very healthy; insuring with NCI (having been forced out by AXA) our yearly insurance would have Been over £1000, every year, claim or not. With this company we will have to pay 20% of the vet bill as and when, but with half the yearly cost. A good risk if you have a healthy animal.