I would never recommend this company to anyone, my family and I have had the most shocking treatment from them. We bought a tabby cat and although the cost to get her was minimal, she was our family and wanted the best treatment if it was ever needed. We opted to get their most premium policy thinking everything was covered and we couldn't have been more wrong. Willow (our cat) was a healthy cat which in the 18 months we had her never needed any treatment, unfortunately a neighbour struck her in a car and killed her, we were heartbroken as a family. We had willow cremated and sent back to us in a scatter urn, the whole cost of this was appropriately £250, there were far more expensive options but we didn't want to take advantage of the insurance company. We sent our claim to Healthy Pets and 2 weeks later recieved a letter rejecting our claim. Our premium policy covered death yet they refused to pay. One of the reasons was was because there was no proof of what we paid for the cat, does that even matter? We paid for the cremation and that was what we were claiming for. Appropriately they would have paid for a funeral costing £1000's but a £250 bill we submitted for the cremation wouldn't be accepted. We obviously objected this but this made no difference, and because we were still grieving the loss of our cat we didn't have the energy to keep fighting them. I know it was only £250, but it's not the money that was the problem with this company, its the principle of thinking you have it all covered and it isn't. The policy we had with them was their most expensive, we wanted the best for our beloved cat. AVOID this company at all costs as all they do is lie and take your money.