I had superior cover for my cocker spaniel for 9 years and sure premiums rise but doesn't everything ??? Happily I had no claims until this year when unfortunately she passed away last month. All the initial claims for medication etc were dealt with quickly but the service I received when she passed away was exemplary. They dealt with the two claims within a week and I was reimbursed within 10 days. Every e mail I received started with their condolences. The whole process was easy at a time when I didn't need any bother. Definitely use them again