I am sitting here reading these reviews and am shocked by the ratings. I can only speak from my experience but I have been DELIGHTED with the policy. We have both our dogs covered with them and get money off our premiums for this. We have the superior lifetime cover of £7500. Our dog became ill last year with vomiting. Appointment at vet which quickly led to an emergency operation as they thought he had a blockage. 24 hours after op he was transferred to specialist vet hospital as there was concern he had a neurological issue. Thankfully not but because he had abdominal surgery he ended up with ileus. He stopped eating all together and had to have a feeding tube fitted. Thankfully he fully recovered but it was the worst couple of weeks of our lives! Total bill between vets and specialist hospital was nearly £5000. I rang the insurance, they sent me a claim form, I put minimal info on, took one to vet and one to hospital and only got notified by specialist hospital of outstanding amoun following the settlement they had received from the insurance. All I had to pay was £75 excess and £30ish for specialist food. Simple as that! I worried that my premium would go through the roof on renewal but was happy to find the annual premium had gone up by £48 for the year but our other dogs premium went down by £20 for the year. Even if I had paid this premium for the whole of our dogs life, it wouldn’t have cost me as much as this 1 claim. I think a couple of these reviews could be down to people not knowing exactly what level of cover they have and knowing what is included/excluded in policy.