Beware of switching to Helpucover if your pet has ever needed a vet in the past. I switched, and was only given a list of excluded conditions more then two weeks AFTER the policy came into effect. When I rang about this I was told that data protection prevented them from accessing my cat's medical history before he was insured with them, even though I had given them permission - three times . Excluded conditions include things so minor we never claimed under the previous policy as they were under the excess. Even things like cat bites and a sprained paw are now excluded. I switched as I wanted a policy without all the extras I was previously paying for, and have ended up much worse off.