This is an appalling company. I am so sorry I didn't find this site sooner. Paid a higher amount because my dog is 10. Very active dog. Last year when he had his annual injections the vet ask how he was in general, I said for an elderly dog he is ok but sometimes struggles getting over the door step. The vet made notes and said it he gets worse bring him back and he'll check him out. 12 months later my dog started limping, took him back and the vet checked him out after xrays he said his cruciate ligament was damaged. He was operated on and made a full recovery. The now say they will not pay as it should have been addressed 12 months ago. The vet wrote to them stating the comments are in no way related to this injury. Refused to pay. I intend passing this to my solicitors and placing a formal complaint with the Ombudsmen. Do not use t hem.