After paying premiums for several years and no claims I had to make a claim for a small op on my dog. It took months to actually get anything back with several phone calls to chase the amount by myself and the Vet! They seem to try anything not to pay you. I then got my renewal which had quadrupled this year . So I have cut my losses and finished with them. I am furious as my dog is getting quite old so have paid them for nothing over the years and now difficult to get insurance for her due to her age. Do not insure with them it's a con.