My puppy had problems with his "boy bits" at age 7 months which resulted in him seeing our vet, a veterinary specialist and having an ultrasound scan and surgery. The Kennel Club covers congenital problems which many other insurance companies don't. In total his vet bill was approximately £3000, most of which was paid direct to the specialist by the Kennel Club without me having to pay the bill first. The consultations and scan done by our local vet I paid for at time and this was reimbursed very quickly. I highly recommend the Kennel Club insurance.