They have a policy that any treatment over £1,000 has to be pre authorised before treatment can begin. My Cocker had to have surgery on his head which came to £1,500. I phoned them to find out if they pay for the operation, and they said that because of the amount it would need to be preauthorised, which it was and he got his op.

My cocker has had several big claims and they have always paid out, and the premium has never gone up.