I have a almost 9 year old bichon frise I was told she has a slight heart murmur around 2 1/2 years ago but was told not to worry and she needed no medicine after taking her to the vets last week with breathing problems she has enlarged heart and now £1530 later after an x ray and heart scan they won't pay out as I never told them about this ! The vets are as useless only asking what I was insured up to guessing so they could run the bill up ! I was told it would never be classed as a condition as she never received treatment or medication for this. I also know that heart murmurs can disappear quite easily. They are con artists and I would advise anyone to cancel and go with another company I also have another dog I will be definitely cancelling asap