Having paid for pet insurance for our dog for 12 years and never made a claim, we recently had to make a claim for a lump removal, which was declined as Purely Pets classed it as a pre-existing condition as our dog, Sammy, had had a small skin tag in the same area before the policy started. This is despite our vet writing to them and saying that the cancerous lump was not connected with the skin tag and therefore should not be treated as a pre-existing condition. Indeed the vets were extremely surprised to hear that the claim had been refused. We had to chase for an outcome at every stage and found the whole way that the claim was dealt with to be both unhelpful and underhand with recorded 'withheld number' phone calls that try to come across as friendly when in fact they are just trying to find any excuse to decline the claim. We are straightforward honest people (perhaps too honest!) who never make insurance claims and this whole debacle has left us disillusioned with insurance in general and £1,600 out of pocket. So if your healthy dog has a skin tag (and what older dog doesn't?) be warned that this will be classed as a pre-existing condition. My advice would be to dig a bit deeper into Purely Pets' reviews on this and other sites and avoid at all costs!