Well known company,good at settling claims but premiums are expensive and when you have 2 older dogs mine are both 13 the excesses increase annually and then you also get hit with paying the first 20% of each claim if it is for a different problem.So typically all dogs will get ill like us humans as we get older you get hit with expensive premiums,increasing excessess and 20% to be paid of each claim when they hit a certain age.I spend a quarter of my salary on the dogs in respect of this insurance so that says everything.If i knew what i knew now i would have put the same amount of money each month into a savings account but saying that if you have two dogs you dont know what the future holds so hind sight is a great thing.I have literally spent thousands of over the years so it is a hard decision to make.I do think in summing up all pet insurers know you love your pet so do prey on that knowing you will do anything to look after them