My opinion is that this company does not want to pay for claims. I've made 2 claims in recent years - the first they dragged out for months before paying up. The second upon on the death of my pet - it takes them 6 weeks to even start assessing the claim. Constantly ringing and chasing them is not what you need when you've lost your best buddy. Their service is anything but quick, easy and discreet. Instead you have to keep contacting them and going through it all and their customer service person reads off of a script about how sorry they are that you've lost your pet. .....