We pay about £950.00 a year for our two now elderly dogs. The cost has risen as they have got older, now they are 11 and 13 we have no choice but to carry on with E&L as no-one else will insure them now. Every time we claim that medical problem is subsequently excluded. If we make new diagnosis claims we have to wait months for any payment at all even though we chase it up. We do not get itemised statements explaining what they have covered and what they have not even on request(several times) so we are completely in the dark as to what they pay for and what not. It is never anything like the original bills came to though. Absolutely dreadful.