I had an older dog insured with Legal and General. I did not have lifetime cover because my dog was 14 and i did not think it worth it. My dog was very healthy and had only had 1 claim during her lifetime. I had insurance with L & G for a year then renewed with them in June. In July my dog became unwell and it turned out to be cancer. It happened very quickly and she was seen by a vet and put to sleep on the same day. The total amount was about £570. L & G said i had to pay a whole years insurance for her (even though she was no longer here)!! They ended up paying me about £30 after excess plus a percentage that they always add on for older dogs. If she had died a month before then i am sure they would have found another way to get out of paying me. Fed up with pet insurance companies, they never seem to want to pay up. You need to check small print to see if it says you have to pay for a whole year even if your pet dies.