I was unaware of the bilateral condition clause, and called to ask if my dog was covered for a cruciate ligament in his right leg(he had his left cruciate operated on 3 years ago) not at anytime did they mention he wasn't covered because of the bilateral clause they just said he was covered up to £10,000 so I went ahead and had the tplo operation on his leg, they have refused payment and will not reconsider, so please beware of bilateral conditions as you are only really insuring half you pet!