I had a premium cover paying over £40 month for 2 years. I made my first claim and it was refused. My dog is ten and what was not clear on the application form is that they expect a full medical 10 year history and expect you to do there work for them and have the knowledge of a vet. On my application form I put the major conditions I could remember. Otherwise at the point of the claim they will add 10 years worth of exclusions on the policy as they did with me, not at the point of the contract as you might expect. They only contact your vet for your pets history on application of a claim not at the time of the contract. I am not a vet and most conditions with my dog I would not recall or even understand. Only a vet can give such a detailed history. This insurance cover is not worth the paper it is written on and dull's Sainsbury's reputation with me. I cancelled my policy immediately.