I really wish that I'd read the reviews before I joined this company. They are dreadful. They look for excuses not to pay out - please don't waste your money. We had to take our 14 yr old dog to the vet on bank holiday Monday as we thought she had had a stroke. She couldn't stand up, she was really sick and there was blood in the vomit, she couldn't eat or drink and she was drooling incessantly. The vet was able to diagnose it as vestibular disease and gave her an injection but the vet said that she could understand why we thought our dog was dying. The insurance wouldn't pay ot because she wasn't actually dying but how were we as lay people suppose to know that - we needed a vet to tell us that. Just like the reviews below I feel like they were looking for a reason not to pay us.