As with many of the previous comments I too have fallen foul of these parasites. First they tried to avoid paying because my dog was listed as a Springer Spaniel Cross on their application form and the vet had recorded her as a Springer Spaniel. Then when the report for the operation to remove a lump on her neck was rejected by them because she had another lump on her neck some years before. Typical insurance company who steal your money with no intention to ever pay a claim. Don't believe the fluffy marketing promises they are written by liars. Take your premiums and pay them into a savings account instead.