Been trying to recieve my payment now for my pet Border Terriers' vet bill.Sent numerous emails and tried to get through on phone(impossible) just asking for an update, Not one reply !!!! Having read other reviews on this company I now understand why, they seem quite happy to take your hard earned money so you can give yourself protection in the unfortunate event something happens to your loved pet but when something does happen it near impossible to receive your insurance. Please be aware of this before you take out a policy with them !! Disgraceful and very unprofessional.