When I finally found an insurance company after a few months of searching, (didnt have the internet) I got the 2nd highest policy as it covered a good amount of money per condition. My dog showed 'no signs' of HD since the day I got her and at 53 weeks old became lame. As this happened within the 14 days exclusion period, and had been diagnosed too, they decided that (as it may cost them a lot of money) it was a pre-existing condition. I wrote them a 17 paragraph complaint and got fobbed off, took them to the ombudsman and lost. Now I have a petition to get the FCA to amend the absolutely bliddy ridiculous 14 exclusion period. How do owners know their dog is going to become ill in 14 days time, AF gladly take our money before the start, but fail to cover anything in this period. I am beyond angry at AF, after the 4 years of paying and only using them once, I feel disgusted at the way I have been treated by them regarding my dogs 2 bad hips.