Stay clear of this Pet Insurance company, do your research first, I only looked at Trustpilot which rated them 4.5 so I thought they must be good, however since my bad experience I've looked at them again and if you read the reviews the only reviews on there are from people saying how easy it was to set up the insurance, not any on claiming. I've paid nearly £40 per month for years, I tried to claim for my dogs ear infection which turned out to be cancer of the ear canal, she had many visits to the vets with the bill being nearly £600, when we tried to claim, because the 1st visit was just before it was renewed, the bill was only for £45, they took £160 excess off that bill which they carried over to the next bill so they carried over £115 and took it off the remainder, plus they said the many visits for ear infection was different from the removal of the tumor, they classed it as two separate claims 3 in total so they took off 2 x £160 plus £115 access from the previous, in total we received just over £100 from a total bill of nearly £600, and it took them months to deal with it, their loss as we will be cancelling our insurance which equates to approx £500 per year, which is more than they should have paid us. This should not be allowed to happen, who is monitoring these bad companies