I am so fed up with this company - wish I'd never changed. Lesson learnt - just because they're cheap doesn't make them good. Was insured with Tesco and their premium became expensive so switched. Look on their website - who are these people giving marvelous reviews??? Had nothing but avoidance from them! Worrying now as my dog has diabetes and have just submitted first claim - it's already been sent back with a query - my vet's not impressed