AVOID! took out insurance in January... sadly my dog slipped on black ice in February resulting in a temporary limp on 1 leg (few hours)... every vet tells u that if the dog is fine after a few hours not to worry about it..She was fine then in April she had a limp on 1 leg (same leg as feb) resulting in me taken her to the vets as she wouldn't weight bare on it at all! While there vet noticed she was more on her tip toes on both hind legs resulting in her getting xrays! Showing there was and issue with both legs.... the insurance is saying she had a preexisting condition prior to the insurance being taken out this is false just to get out of paying out for my dogs surgery... months this has taken! Absolutely joke of a company and now I can't be insured for her! They also tried to claim I had her registered at a vets I hadn't heard of... turns out they got intouch with every vet in my area and cause this vets had a dog with the same names as mine the assumed it was mine without confirming address! Their poor communication can't even type out an email properly! AVOID unless you like to throw money down the drain!