I would urge anyone considering taking out a policy not to bother. My dog had an operation two months ago and we are still waiting for a payment. READ the policy- the premium may seem competitive but we have to pay £150 excess and 20% of the claim.
The company are always pleasant when you ring up to chase but they can never give you an answer as to when you will receive the money, it's always just being passed to someone else.
I am furious that having had my dog for ten years and never having made an insurance claim that I am having to experience this poor level of service.