I've been with them for 7 years. When they were bought by many they were very good but since changing to many pets they have got bad. It's easy to claim but how long you will have to wait for your money is something else. My dog requires injections for allergies every 8 weeks, that's all I ever claim for, which is the same amount. My last claim took nearly 4 months to settle, it was only £70, in the end I lodged a formal complaint and received compensation. One year I never claimed thinking it would keep renewal costs down but it made no difference. I am now cancelling as my renewal has doubled this year.