Do not use this company they are only interested in your money. I have been with them for nine years and NEVER missed a payment. Let me explain how they rip you off. Firstly the will give you a quote on your pet (dog) and when the dog is young you are unlikely to need them so I paid £35 for eight years so in total £3,360. In that time I had not made any significant claims maybe a small one for antibiotics etc. But then as soon as your dog reaches eight they go to town on you. Firstly they raise your annual premium which in my case was £164 to £584.28, but that’s not all, they also put a percentage of any vets bills to be paid onto the owner. In my case my dog needed a small operation on his bowel which the Vet charged £1900, I was then informed that because my dog was just eight I would have to pay 15% of that bill, plus because the vet also performed a castration which was VITAL to my dogs wellbeing I had to pay £200 for this procedure even though the vet wrote to them and told them it was absolutely necessary, plus 15% of £1700. Leaving me a bill of £455. This left them with a bill of £1,245 not bad when you consider I had already paid £3360 in to them. I have just had this year’s bill and they have put it up by another £307.44 to £891.72 I consider this outrageous so I called them up to complain. They were not interested in the slightest and said they could reduce the price if I reduced the cover or increased the excess? I thought this was a supposed to be a genuine insurance company clearly not. This unmoral company do not give a dam about your pet they are in it for the cash alone, do not be fooled by their advertising inferring they are an honest reliable company, they are not.