No previous claims. My dog was vomiting lots, pooing and passing blood and in pain. Unfortunately it was a Sunday and my vets were closed. As a good owner, I could not leave my dog like this as I was concerned he had been poisoned or had a blockage. Visit to the out of hours vets which I know is extortionate but left with no alternative. My dog had various tests and was much better after injections and check up. The bill was £270. Animal friends would not pay the out of hours vets bill because it wasn’t a matter of life or death! The moral of this story, leave your pet in agony until your vet is open for normal working hours to suit this insurance company or better still let the dog get near to death to justify that they might just payout. As I’m not a trained vet how am I to know that my dog isn’t dying. Try another company that puts the dogs well-being first than looking for cop outs not to pay.