I had my dog insured with Debenhams for the last 7/8 years and found the company to be very good. No claim was every queried. On the first couple of claims they were a little slow but more recently reimbursed my costs quickly. As with all insurance if you claim the cost then goes up the following year however overall I was better off for having had the insurance. I would recommend them and use them again if I have another pet.