More than refused to pay out for an operation to have skin tags removed, because of a note on the file stating that my dog had 3 skin tags before the policy started. One got large and infected during the policy cover, I was assured before going ahead it would be covered. Now I'm left with a £2145 bill. I'll never pay for insurance again what's the point?! They try and find anyway out of paying. You might as well put the money aside each month.