Took out the insurance last year on two puppies. Unfortunately one of the puppies had a retained baby tooth which needed removing. Was informed policy did not cover it (despite being a substantial policy) as it wasn't an accident. Could have coped with this but staff on phone were consistently rude, kept getting my details wrong such as my name and was past from pillar to post. To add insult to injury I only took out the insurance based on potential quidco cashback - which has been declined.