I took out insurance for my 15 year old cat last March and he became very unwell in December resulting in him being hospitalised for two days. He has now made a full recovery. I submitted the claim at the beginning of January and have just been informed that it has been accepted and is being paid to me in the next two weeks so I am happy with the outcome. Please be aware that as well as the excess you have to pay 20% of the whole bill for older pets which means that the actual excess is Greater than the one stated. In my case the excess was £75 but then you have to pay 20% of that as well making the excess £90 before then paying 20% on the rest of the bill. Despite the above I think that the policy gives good value for money and I am pleased that I switched to it from my previous insurer and would recommend it to others.