Before you consider taking out insurance with these thieves....stop....put your debit card down. Don't believe their "animal friends" nicey nicey name/image...these guys will whatever they can to not pay you the money you're owed. My dog has been left lame and in pain for nearly 2 months while I've had two different claims denied. I've now just had to bite the bullet and pay for it myself. I've had insurance with them for 4 years and never claimed a penny. Then when I need them... guess what, they try to wriggle out of paying and couldn't care less about your pet. Best advice I can give you is to direct debit the money you would pay to them monthly into a savings account and further down the line if/when you need it you will have a pot of money to at least lessen the burden