I insured my bearded collie when John Lewis premiums became ridiculously high.l considered not insuring at all and putting money in a separate account for vet fees, then I found Lifetime and was so pleased with their quote that I signed my Beardie up right away. I was worried that their claims process might not be as good as John Lewis, but having just made a claim for emergency out of hours treatment, I have to say that they are much better than JL. Their service was fast and friendly and the full amount claimed paid straight into my account in less than 2 weeks. I highly recommend this company. One of the brilliant things about them is that they will cover for previous illnesses if the animal has been clear of them for 2 years - I don't think any other insurer does that. Thankyou Lifetime Pet Cover!