Thanks Animal friends, We had no problems with our recent claim and the dog is recovering nicely thanks after the op. Yes we paid an excess and yes you took a percentage away because of my dogs age but hey any one reading this wouldn't expect not to pay excess on car insurance and even car break down cover has age related restriction and enhanced premium so give them a break, that's how insurance works if you want to complain about your excess charge may I suggest that you read your policy first. we have no problems with your cover Thanks Again. By the way if you are going to complain at least show your colours and tell us who you are.