I was walking my Cockapoo in a park, decided to lead him up from the middle of the park to take home, something got him excited and he flew across the park to the road, and was clipped by a car. No real damage thank goodness but a £400 vet bill. We paid the excess of £100 and put a claim in for the balance. They will not pay it as our dog slipped the lead, I said that 99% of dogs are walked off lead in the park, and they said that if the dog was off lead that also is not covered. I said that dogs are walked off their leads as they need/enjoy the exercise, and anywhere, including beaches a dog is capable of running to a road, response was that the owner should at all times be in control. From my one and only attempt to claim I have seen that they are an absolute con company. You think that you have done the correct thing by being fully insured, only to find out that the policy is worthless. I wish that I had read others reviews 1st, this experience has cost me premiums paid to date plus £400 vets fee.