My experience of this company is that they will do anything they can to get out of paying by using previous illnesses and injuries to say they are pre-existing when they are not. Bacterial infections are not pre-existing, they occur and they are cured! They have not paid out on any of my claims this last year. I have just been advised of my renewal and they are asking if I have taken my pet to the vets for anything other than vaccinations and if so these things will be excluded. I will not be renewing. I have looked at other pet insurances and have found one that offers reasonable cover and will include any current or recent illnesses. My advice is look elsewhere.