Avoid this company if you want your pet. Absolutely disgusting company. I had a mistake to take this company as my pet insurance. My dog had a wound last year which cause him bleeding and after a year he had bladder stone. Now they refuse my claim to say that the bleeding last year was related to the stone bladder this year,no sign of any problem regards to bladder happened last year, very shocking as my vet twice send them letter to clarify everything for them. please please avoid this company. they will just rub your money. I have spent £1,800 only for the check up and now I have to take my pet to charity clinic for his operation as he need it urgently and I can not afford because of this untrustworthy company. save your pet and your money