I've read the poor reviews on here and I am sorry for the negative experiences. My own experience is different, our boy, George, an eleven year old Bichon Frisé, snapped a cruciate ligament earlier this year, we were devastated when we were told the cost of putting him right and frankly didn't know how we were going to mend him. Although there was considerable cost to us the insurance paid 80% of the bill, the vets were brilliant liaising directly with the insurance via their portal and left us to concentrate on George and not worry about dealing with admin issues. I have given 3 stars, I would have given more but there was an issue which irritated me. and that was was the fact that in eleven years we had never claimed, but because George is getting older, they load the payments, hence my contribution of over £1000. George is obviously worth every penny but I did feel that we were being penalized because of his age.