Avoid. Puppy came with a short Kennel Club cover, saw vet over an ear infection, not the sort of thing would have thought as insured anyway. Took out policy with Insurance Emporium. On allergy tests etc (avoid grain mites) say no cover because had prevoiusly seen a vet over ear, and now excluding pruritus from any cover from any cause from policy for all time. Waste of space - look elsewhere