I have never had any problems with purely pets or ultimate as a company. All these comments regarding excesses, co-payments of 15% and admin fees for cancellation are no different from ANY insurance company! Purely pets have all their charges and fees stated up front before the policy is bought and if you have a query they are very helpful on the telephone. I don't understand why people are shocked at having to pay the excess etc. - this is the case with all types of insurance.
Mixed Breed Cat