Awful company! Used every excuse in the book to wriggle out of an insurance claim. Used my pets previous history when I was not even insured by animal friends at the time. Then they stated that cover was invalid on any out of hours claims... does this mean people should let there animal suffer until they can make an appointment with there vets??? Being weekends, nights or bank holidays. Always been sceptical to use insurance companies and this confirms why. I will be cancelling my policy with immediate effect and would not recommend this company to anyone hoping to claim any fees back on a claim