If I could give no stars I would BUYER BEWARE. Do Not just this company. They will do anything to get out of paying a claim. I paid insurance for 09 years and then my dog developed diabetes. Once I had made a claim they increased monthly payments x3. At year 11 Dog injured his eye. They used the excuse that because he had diabetes it took longer to heal which required vet treatment. My vet advised that if they will use that excuse they will not honour any claim. So cancelled insurance. Advised on website that it is £30 administration charge which I paid. They then instructed a solicitor to claim the money again. Apparently a fault with their system and the letter was sent automatically to solicitors. First I knew was getting a letter from solicitor demanding money. The whole situition has been very stressful am emotionally draining.