this has got to the worst insurance company for dogs in the UK - I have just had a continuation claim refused for a mast cell tumour originally on my dogs leg and then came back on his back - excluded because it was not the same mast cell tumour and in the same place or surrounding area - because it was on his back this time was excluded from the insurance even though it was within the 365 day cover for that year - would definitely recommend owners do their homework before deciding on an insurance company for their pet