I wouldn't recommend to my worse enemy. They may seem cheap but it's a false economy and their cheapness extends to their attitude, behaviour and their willingness to pay out on valid claims. My complaint regarding them is similar to others, they will take every opportunity, manipulating, deliberately misinterpreting everything and anything possible in order to use it as an excuse not to pay up. This is not only the opposite of treating their customers honestly, but it endangers pet's lives.. avoid all costs because once you have made a claim you are trapped because your pet has a pre-existing condition.