Would give minus if I could. Don’t not use this company. Been with them 3 years never made a single claim always paid to save any hassle for things like gall stones etc. When I found lumps on my dogs stomach I immediately got it checked out and paid extra to check for cancer, all came back clear and Save the hassle I paid the bill of around £300. Lumps came back 11 months later and had op to remove costing £800 as then they become cancerous, obviously they declined the claim as I didn’t tell them the first time around. Even tho there was no diagnosis they were clear and I paid. Now I’m exempt from any tumour or cancer. Service is rubbish, staff sound like they are 12, unable to have a conversation just like to quote your T&C. Total waste of money. Wish I had looked into them first.