Started off well, then annual prices shot up, even without a claim. At 4 years old our Newfie had a cruciate ligament repair. The next annual payment was twice what we paid for him. They also wrote into the policy that they would not cover his other cruciate, even though that would be a seperate injury. The cost of the annual policy became untenable so we cancelled. Typical insurance company always wriggling to default on their responsibilities, but happy to take your money. I would advise caution before insuring with them.