Delilah's lifetime insurance was due for renewal (she's a nine year old (healthy) Golden Retriever) and having extensively searched on line I telephoned and spoke to Robert who clarified all my queries. How very refreshing an insurer who does not exclude a dog over 8 years old, does not charge an extortionate premium and does cover pre existing conditions (of two years previous) and also treats each limb as separate (none of the bi-lateral cop out so popular with other insurers). The policy was easy to set up on line and the email containing the policy document was received quickly, as this is a new policy I have no experience of the claims procedure.