AVOID AT ALL COSTS! These guys will happily take your premium, but at the first sign of an issue will find any excuse not to pay. They have just refused my claim, despite a vet telling three times, and in writing, that the issue had nothing to do with the 'pre-existing condition' they claim is the cause. If you are paying your premiums, you are wasting your money. Look at the number of recent negative reviews on this site. This suggests to me that either they have had a recent change of policy, or that they initially made a bunch of positive reviews themselves - I would put nothing past these guys. If you want the reassurance of real insurance - AVOID