PLEASE AVOID THIS COMPANY WILL TRY EVERY TRICK IN THE BOOK TO AVOID PAYING OUT ON LEGITIMATE CLAIMS,JUST WISH I HAD READ REVIEWS BEFORE BUYING.WE DID NOT REALLY EXPECT TO BE PAID OUT AS OUR MALTIPOO HAD TO HAVE 8TEETH EXTRACTED HOWEVER OUR VET SAID THE EXTRACTIONS WERE DUE TO A DISEASE AND NOT COSMETIC SO AFTER READING THE T&C PUT IN A CLAIM AS IT STATED THAT IF TEETH HAVE TO BE EXTRACTED DUE TO DISEASE CLAIMS WILL BE HONOURED,HOWEVER THE CLAIM WAS REJECTED STATING THAT AS OUR DOG WAS EIGHT YEARS OLD IT WAS EXPECTED TO HAVE POOR TEETH AND GUMS I JUST WISH I HAD THE MONEY TO TAKE THIS FURTHER.