Unfortunately I can't give zero stars!! Absolute disgrace of a company, not only did it take nearly six months to process a the claim, but they refused to pay saying was a pre existing condition! Tried to explain that the knee is a completely different joint to the hips and that the claim was to investigate what was wrong as the vet didn't know. Ws initially transferred to a different department, which the advisor puts you through to by terminating the call!!!! Needless to say I pay £25 a month for nothing as this company will always say "well it appears to be linked to her previous condition" Please save your money and don't use this company, these company's don't get rich by paying out, they will always find an excuse to weasel out of a claim!