I took out a policy based on an agreement that certain exclusions would not be in place, when paperwork came through (which I had to chase 3 times for) it had included exclusions. Liased with vet and Petplan to agree that again exclusions should not have been place on my policy and yet again paperwork was sent through with them on. Felt like I was chasing them up just to go round in circles! I decided to cancel policy and even that wasn't done correctly and I'm still waiting a refund of my first payment as was cancelled in in stated time. Poor poor service!