Just read all the reviews below this, and it probably covers all of the experiences we are having/had with this company. Would give ZERO stars if I could. Waiting weeks for any payout at all. Constantly on the phone to chase, and waiting ages for any response. Unfortunately our lovely dog had a mammary tumour.....( what a surprise, just been told they don't cover it, and not paying out !!!! ( its in the small print) ). Having had to go though the stress of the operation to remove it, we have now lost our lovely Bella due to the cancer spreading elsewhere :(. Absolutely disgusting company to deal with. Will NEVER have pet insurance again, and certainly cancelling the policy.