I'm surprised by the number of negative reviews as I started using them to insure my dogs 13 yrs ago and have never had any problems.
I have made claims ranging from £200 to £3500 and not once did I have reason to complain. I was once underpaid but I rang up customer service, they were very helpful and went thruough the insurance claim and turned out the vet had missed out a previous visit/ treatment but this was soon rectified.
However when my renewal came through this year there was a massive hike in price that had never happened before, i expect a yearly increase but it has to be reasonable.