Unfortunately, we chose this company as the price was competitive. But, as with most insurances, you only get to know how good they are when you need to make a claim. Our experience has not been a good one. Our dog has developed arthritis in her elbow. At the moment, it's not severe. We had to arrange an x-ray and some medication, resulting in a claim. The claim form was submitted at the end of April. It is now 19th July and we are still awaiting payment!! Even though over two weeks ago, we were told that the claim had been approved! They are awaiting a cheque to be authorised... despite us giving over bank details and requesting a bank transfer. I'm now told we will probably have to wait another few days for the cheque to be signed and then posted!! Please.... If you are looking for an insurer... check to see how long they take over claims. This lot say they take 10 days!!!... But in truth, it's taken nearly 80 days!!! The problem is now that we are stuck with having to renew cover with this company as we have a 'lifelong policy' and no other insurer will accept our pet and cover a pre existing condition. ALSO, the premium has just over doubled in cost from last year!!