Paid for the Superior cover for my little dog, he needed a small simple op. phoned and checked to be told you are superior cover so there will be no problems turns out this is WRONG! Op Ł400, Asda pet insurance pay Ł170 the rest is not covered, so add the Ł230 in addition to what we pay for our annual premium and we are very out of pocket. Do not use this company put your premium in the pets bed as this is our first claim and our dog is 6 years old we would be quids in!!