Would not recommend this company Find any excuse not to pay out .Took my first cat for minor problems like diarrhea,upset tummy.When I made a claim they tried to link it with the previous vet visits Even the vet wrote in the end to say they were not linked.Now received a letter for my second cat to say the insurance has gone up a lot plus we have to.psy even more up front if we claim.Our cat to old to insure any where else or I would if moved years ago Friends and even a vet have said animal friends will find any excuse not to pay.Have canceled my policy because what's the point if I have to find most of the bill.Wish I had listed to or looked at reviews before