Please don't use this company for your pet insurance they will use any excuse they can not to payout. They have connected my dogs bout of diarrhea in September before we went with them in November to the pancreitis he had in December. Anyone who has dogs knows that dogs get bouts of diarrhea because they eat things there not supposed to. We have been in dispute with them since December and they are still saying that they are connected they definitely weren't. We have had to pay the bill to the vets which was £1500. As has been said by other reviewers don't touch them will find any excuse not to pay out.