Do not waste your time or money, I begrudge giving them 1 star they deserve 0! Complete con artists, we were told that our cats surgery would be covered, I phoned and confirmed this twice however when it came to claiming they said it wasn't covered due to a pre-existing condition. The vets didn't say this was a pre-existing condition because it was so minimal they weren't worried, so we didn't know to mention it when we took out the policy. The vets also confirmed that the condition would not have caused the condition that needed surgery. So the reason they gave for invalidating our policy was not even linked to her condition in the first place! AVOID AVOID AVOID! We will be going elsewhere as soon as we can as I know longer feel I can trust them