Our lovely Oli was taken ill very suddenly he needed a operation and other tests beforehand, I have to say we were amazed how effient vet sure were as it was our first claim with them they sorted out the claim very quickly with our vets nothing was left to us to sort out apart from the 15% reduction as our Oli was over 8 years old that's fair enough we knew that. I have made other claims in the past with another dog with another company and they were hard work to be honest. We are very satisfied customers well done pet sure you took away more stress than we needed so happy days :-)