Appalling in every sense of the word! Wish I’d never in rotes a policy without them! The only positive is I k ow know to get out ASAP be for my dog needs any claim actually paying out! Take my money every month without fail, have all documents for claim say all going through, make me wait months for my money then the day you go to authorize payment you decide it is not covered ?!? How can this be ?!? A pre-existing condition which wasn’t pre existing !!! Seriously I’m lucky this was only a couple of hundred pounds I can’t afford it no but in real terms I was told it was ok if this was something more serious I would be in a lot of debt now! Do not use this company. Everything from beginning to end with the claims process was unsatisfactory from them not processing mail items when received and only acknowledging them once they open them - just no - don’t use them !