After insuring 4 cats for many years we have made two claims. The first was several years ago, they did eventually pay out but far less than we expected! The most recent one was a blocked bladder that they have refused to pay out on as it “might have been stress and that’s behavioural”. Even though the vet says it wasn’t behavioural. Seem to play with semantics to wriggle out of paying. We are still pursuing the matter but so far we are not impressed!