When our German Shephard had just turned 5 he had a benign cyst appear on his back, as usual rip off vets said it had to be removed and when we got him back he looked like a 16 year old with a Stanly blade had done the op, anyway we was paying £38 a month and yes claimed the £1700 bill from the insurance. 3 weeks later the renewal came in at £128 per month! This company is a complete rip-off do not go near these rip off merchants or any other pet insurance for that matter, if it’s a dog or cat or another small animal open up an account when you get it and put at least £10.00 a week in from the day you get it, you will be better off.