We insured our 8mth old rescue dog on the for life policy with max cover.. £6000 per cond per year. What they failed to mention was massive increase in premiums if u actually used the insurance. Ours went from £86 per month to £298 per month. So our dog now only 1 but with pre existing conditions was not insurable unless you have so much money £300 a month is no object..in which case u prob would not get insurance in the 1st place.. please do not insure a young dog with this company on a for life policy as you will be left with a dog with really expensive insurance after the 1st year. We are going through the ombudsman and our claim looks positive. Hopefully we will get compensation. But I would rather not be in this position. Avoid them at all costs.