If I could give no stars I would. Earlier this year one of my dogs died. Aside from taking forever to respond, this bunch of cheats decided the 'death benefit' (sic) would be 5% of the cost meaning that the excess was 95%. Decided that I would insure my other dog elsewhere to be landed with a £30 administration fee for deciding i would go elsewhere. They cancelled the policy and then sent me a threatening letter, promising to hand this over to a debt collection agency, to claw back (no pun intended) what they believed was outstanding. Do not use these people - shocking.