Our little JR is almost 5 years old, he is a Spanish rescue, we brought him back from Spain in 2016 when he was 3, he was insured in Spain through a Spanish company. He recently damaged his tail and was treated for this injury for 4 weeks, in total the cost was just over £150, I have a £99 excess, my vet filed the claim on my behalf but they have refused to pay as I cannot provide his history from the Spanish vets. I have now cancelled my policy.