After all I had been threw this vile insurance company did not help at all! My puppy fell poorly on a Saturday night by Sunday at 1am she had passed away I was devistated, so as we had a 600 pound vet bill we called the insurers who after 10 weeks after my puppy died paid 80 pound out, I was told as my pup had died at a weekend they took 120 back by the time they had taken everything back 80 pound was given back to us, PLEASE PLEASE PLEASE don't use these I went threw the heart break of loosing my puppy and then the insurance company been so unhelpful on the phone every single little thing they could do to not help us they would do, they fail to mention a lot of this on the phone and in the policy vile company