Animal Friends, what a joke! My 4 yr old Labrador needed a course of antibiotics for an infection arising from an injury, together with various tests to confirm diagnosis resulting in vet's bill of £500. These people initially refused payment stating that condition was due to excess weight.Our vet contacted them to confirm it was as a result of an injury. Claim then refused again with company now stating this was a result of a pre existing condition! I would not recommend this firm to anyone.