Refused my claim as I was on a 12 month policy...didn't know that so shocked. Nowhere on my renewal does it state what is/isn't included. They referred me to the policy booklet sent when I first took out the policy but that was many, many years ago and not realistic to expect me to remember everything contained in it. Why don't they send full details of the policy on renewal?? I have paid them thousands of pounds over the years and only ever had one claim. Policy now cancelled and the money I save will pay for my cats treatment in less than a year.