This is the worst pet insurance company i have ever experienced i agree with the review above, i practically had to do everything myself with my claim. One department didn't know what the other one was doing and in the end i had to go into the vets myself, with the form i had already got printed and signed, and get them to fax it over to the insurance company because they couldn't even ring the vets themselves. Then they finally tell me the claim has gone through after 3 months of asking what was going on, and they 'forgot' to take off the remanding money for the year that i owed so asked me to phone and pay up. I am so appalled by this company i would not recommend this experience to anyone else.