After 15 years of paying out vast sums on insurance for my lovely border terrier, whose brief dental problems were not covered, it is a pleasure to find what looks like a good insurer for my new and very different puppy at reasonable rates. As I never made a claim for my last dog, I found it difficult to decide what level of cover to go for, but have plumped for the middle band. Fingers crossed! Can't give you a 5 rating yet as you are untested, but so far so good!