I have had dog insurance for 5years My dog had a problem withher ears in march 2013 and then again in September 2015 ,in June. 2016 she had more ear problems resulting in a perforated ear drum ,she was sedated so her ear could be cleaned and the bill was £317,I didn't claim on the first 2 occasions as it was just medication costing £70 .Argos are refusing to pay as they are saying my insurance is paid yearly and there is longer than 12 months between vet visits .My policy starts in August so as far as I am concerned the year is August to August .customer service is terrible and on top of all that my monthly bill has gone up by a third .Goodbye and good riddance