Our Labrador Ruby had hip dysphasia in both back legs from a very young age and she had treatments over a period of one year, the insurance company was very understanding and sympathetic to our situation and paid out for all of our veterinary cost less any excess that we had to pay. I can’t thank them enough for all their assistance and help, we would recommend them to all our family and friends and highly recommend them to everyone, well worth the monthly premium as you never know what’s around the corner, if it wasn’t for having her insured she may not of been here today and she is enjoying life to the full, Thank you again Kennel Club. 🐕🐕🐾🐾