I have only been with Sainsbury's pet insurance for a few months. I took it out because I lost my last dog in an accident that cost £2000.00 but he didn't make it through surgery. When I had my new rescue I hoped I would never have to use it but very shortly after she started to limp and was in obvious pain. My vet diagnosed elbow dysplasia. An x ray, pain meds and an operation cost £2500.00 Sainsbury's paid out. So glad I am with them.