In November 2016 my Bichon got poked in the eye with something that caused a small ulcer in the centre of his LEFT eye. He had some treatment. A week later he was taken back to the Vet who said it was well on the mend with no problems and no further treatment needed. The bill came to just under £200. A £99 excess would give us back around £100. In mid January, my insurers Animal Friends , informed me that on the basis that over a year previously, he suffered mild conjunctivitis in his RIGHT eye, they did not cover pre existing conditions and would not pay out and would also now add exclusion to the policy for any subsequent eye or sight conditions. They also took the opportunity to inform me that they had noticed that in 2015 the vet had noted a very small heart murmur, ( requiring no cause for concern or treatment), and they would therefore apply an exclusion for any future heart conditions. I telephoned them and explained that the conjunctivitis in his right eye in 2015 and the ulcer in his left eye in 2016 were not connected in any way. They said that if the vet would contact them, they would review the decision. I spoke to the vet who kindly contacted them confirming the 2 conditions were not connected. In February 2017 I telephoned them to get an update and they said that the decision had been reviewed and overturned and they would be paying out, but only around £23 as during this time, the policy had automatically renewed and a further £99 excess would be applied. My advice to anybody considering pet insurance....dont bother, you would be far better off getting an interest free period credit card kept solely for the dogs possible medical needs. Insurance companies will only increase premiums every year, gradually exclude conditions as it gets older and continue to word their policies so tightly with conditions, that you have more chance of being made the next Pope than being paid out fully on a claim. Save your money.