I transferred insurance for my dog to LVC after the renewal quote from my previous insurer came through at an astronomical increase following a cruciate repair claim in the policy year. I have been extremely impressed with LVC and the level of cover, they will even reinstate cover for an excluded condition if there has been no re-occurrence in 2 years which I think is great. My dog was diagnosed with Caudal Cervical Spondymyelopathy in August last year and we now have an on-going condition that we are claiming for. LVC have been very quick to settle all my claims (paid to 3 different veterinary practices) and my premium for this year hadn't increased dramatically at policy renewal. A refreshing pet insurance company to deal with.