Awful experience with an awful company. After 10 loyal years of paying ever-increasing premiums (plus 5 years for my other dog), we needed to claim for a large amount for two separate leg injuries and they just pointed to some small print and forced me to claim for a single condition or not at all, meaning the claim was capped at a really low amount and they paid roughly 15% of the overall cost. Products are specifically created to screw their customers when a big claim happens. I would recommend to anyone to avoid this company like the plague. You're better off just putting the money in savings and crossing your fingers.