I took a pet policy out in respect of my cat. The premiums were very high which I was happy to pay as I hoped that in the event of my cat's illness I would received prompt payment and good service. I received neither, I had to send over 10 emails before the claims department would even process my claim. The excess is extremely high even though I had a premium product on top of the excess there is a 20% excess I have never come across this before. They took nearly a month to pay me and still owe me 36 pounds, It is the worst insurance I have ever used.