Couldn't give 0 stars as there is not that option, disgraceful company. I have been insured with various Pet insurance companies, my policy was up for renewal so went with these guys, biggest mistake ever. Had to make a claim for cruciate ligament surgery, they won't pay out as I visited a vet 2 months prior to taking out the policy as the dog was lame, I was told he had Arthritis, he is 9 so not unexpected.. rested the dog, the lameness went away, 3 months later had to have an xray as I heard a clicking sound coming from his left rear leg, he was diagnosed with cruciate ligament disease, has since had surgery, but Purely Pets will not pay out as they say its a Pre-existing condition as I visited a vet in January, absolute disgrace.. I want my money back, sham company, only interested in your premiums nothing else, and if they can find a reason not to pay out, believe me, they will.. I feel cheated and boy do I wish I had stayed with my previous insurer