I've been paying them for years for my 2 dogs. Needed to claim for my dog having a lump removed, they made me pay more than half on the excess then refused to pay the rest of it! This is because she had a grass seed stuck in her paw a year earlier which caused an irritation and I apparently 'didn't declare' this. They consider a fatty lump and a grass seed to be the same thing and have now excluded ALL skin conditions on my policy. My vet is contesting it. Absolutely disgusted and will be either looking for another company or putting that monthly premium into a savings account.