How I wish I had read the reviews about this company and I would not have wasted my time and money on them. When you have pet insurance and your dog is very ill that is when you need them but they seem to use every trick in the book not to pay. My vet could see no reason that they would not pay as pyrexia is not related to her osteoarthritis, however they rejected the claim! I am lucky we managed to pay the £2,600 to the vet and at the end of the day our much loved dog is worth every penny. I have certainly learned my lesson and for my next dog I will choose an honest company that is caring towards helping owners and their pets.