Took out insurance in may with no pre existing conditions my dog got gastroenteritis and had to stay overnight in card cost nearly £300 when I spoke the lady said I was covered then letter arrived not covered as he had loose poo a couple of times years apart none required vet treatment as it was his anal glands! My vet even said should pay out as never had gastroenteritis ever ! Spoke to customer care! Beth what a rude lady she was shouting at me! ? would never ever use this company and the lady thats deals with insurance at the vets said she has delt with this company and they never pay out!