I’d take that star off, they don’t deserve any! Been with them for 5 years and never claimed. One or my huskies is 10 now with arthritis in front leg. She’s had it for a few years now and obviously it’s got worse so I asked my vet requested a “ pre authorisation “ for a monthly injection at a cost of £92 a month, and I still had to pay 20% for each treatment. Of course they have refused stating that treatment must be within 12 month of diagnosis and that was a few years ago. This is ludicrous!! Arthritis gets worse with time and I’ve been controlling it with prescribed pain killer. Needless to say I have cancelled this policy and am totally disgusted with their exceptions, seems to me they are quite happy allowing their policy holders to experience unlimited pain as long as they are receiving money, even from, Im sure, people who can barley afford it but don’t want their pets to suffer. I, for one, have immediately cancelled the policy because, as I see it, they must be desperate for money in any way and pass off their cruel refusals anyway they can. My advise is to avoid this Insurance Company at all costs they are happy to let your pets suffer all for monetary gain and that in my book amounts to cruelty