My dog recently had an eight year check up and the Vet recommended removing some lumps and bumps that he had. They operated and took out five lumps that all came back benign, which was good. Morethan then questioned my Vet quite closely until they were able to ascertain that the five lumps fitted into three different categories, in their view, three "different conditions", so they applied the excess to each condition meaning that I got back less than a third of what I spent on the operation. One operation, three excesses. Ridiculous, don't you think? I had been reasonably happy with more than until recently when they put my renewal premium up considerably and then this. Rip off merchants.