If ever you are going to be late paying for your direct debit no matter what the circumstances, you will get an email threatening to take you to a debt collection agency and adding on £30 administration fees. Never been treated like this with any other pet insurance. I will be going back to my previous pet insurance. The reason I left my previous pet insurance was only because of the 5 star rating that purely pets had on here so I decided to give it a try. How wrong was I. Please just beware with this company, clearly they like to exercise their right to involve bailiffs.