I took out Insurance about 4.5 years ago, as with house Insurance it listed policy benefits etc. ie death of cat £500 i have an excess of £99 my cat got killed yesterday in a road accident, i wanted him created as, i am leaving my house, and didn't want to leave cat there buried in the Garden, when i rang i was told i may get £10 back that was what said i paid for him, i argued this i may now get £25 i am being sent a claim form, on one hand its say death of a pet £500, then it as a clause, you can't get back more than you paid for the Pet, disgusting and mis leading, i have never made a claim.