My dog was insured with Debenhams, with a max benefit policy. He had an accident, and we practically used up our full max benefit amount over the next 2 years. The company paid each and every claim, swiftly and professionally. I was very happy with the service I received from them. The premium did go up, but I expected that after such a large claim. I paid the vet bills, and then they gave me the money back afterwards.