I had had this policy for five years without any having to use it. Unfortunately, my beloved six year old siamese cat became suddenly unwell over the weekend. Unfortunately, he was found lymphoma which was too far progressed to be treated and needed to be put to sleep. I was really shocked by the fact that a significant portion of the bill was not covered and also their general attitude. I didn't really have the emotional strength to query it at the time but since dealing with other insurance companies I wish I had questioned it at the time.