I had a very traumatic time when my 5 y/o rescue chihuahua died in my arms from undiagnosed heart failure recently. Although paying my premium for over 3 years they have done everything they can to wriggle out of paying my vets bill. They firstly argued that they had no medical history but he was a stray. Then although it clearly says in my policy individual cremation is included apparently my vets used their own people so I'm expected to pay for the cremation. Not only that they have sent me a email informing me they are cancelling my other dogs insurance absolutely shambolic wouldn't recommend them to anyone