Do not under any circumstances take out a policy with this company unless you want to throw your money away. If they can get out of paying they will. Paws and Claws are charging me for the next 7 months because i have had a claim and cancelled my policy when my dog died suddenly. It was not my fault my dog died at such an inconvenient time to the company. When I cancelled they were straight on the phone wanting to know why I had stopped the policy. When I explained my dog had died and insurance was no longer required they were right on to me that I now owe £148.98. I have a letter in my hand from Roythornes Solicitors saying if I don't pay in 7 days they will commence legal proceedings against me. Also they let me take out a Four Paw policy for which I have since found out half of it is irrelevant ie no death or loss benefits are payable for pets over 8yrs old. Please please if you are reading these reviews please go to another company for peace of mind knowing you are no going to be out of pocket at the end of the day