Avoid, will take your money but wont pay out in event of a claim. Complete joke of a company, happily taken premiums for the last 2+ years, but when submitted a claim, I have done as they requested and contacted previous veterinary surgeries, but they are refusing to pay out as these vet surgeries are not supplying the information requested (they have no financial interest to do so, so are not playing ball). I then submitted a complaint to their complaints department, who have not even had the courtesy to acknowledge the complaint. Financial Ombudsman Service here I come.