Had my dog 12 years and never made a claim. Earlier this year she became ill with what turned out to be pancreatitis and hepatitis. After paying out £1400 to get her fit and well my claim was declined as she had had a bout of diarrhoea the previous year. This, they claimed, was a symptom of her disease and therefore they said I hadn’t disclosed a preexisting condition and nullified her policy for anything relating to her stomach, kidneys and liver. I asked them to review their decision as the vet stated there was no link whatsoever. My request was refused. DO NOT use this company - they will use any excuse not to pay you. Disgusting! And now because of her age, I am unable to get insurance elsewhere. Very disappointing.