My 8 year old dog (boxer X American bulldog) had 2 surgeries in 1 week. One was to remove a mast cell tumor and the other one was to remove periodontal disease. The total bill was £1,900 and I was really stressing about not getting the money from sainsbury's pet insurance as I was reading all these bad reviews online. I mailed them the claim and literally within 5 days I had a cheque through the mailbox for £1,575. The rest was obviously excess etc. I would say that if you know your insurance is 100% up to date, especially if you had insurance since the dog was a puppy, then you would be fine. Do not fall for all these negative reviews ! PS. Obviously your monthly payments will go up as the dog gets older, so dont freak out about this when it actually happens.