Be very careful if you are sent a renewal. A sudden exclusion was applied to mine. Myself and my vet could not understand it, other than PetPlan trying to save on costs of people making claims perhaps? My vet was so adamant that they submitted a full clinical history for my pet, as asked by Pet Plan. Pet Plan did not accept it or my vet's opinion. I didn't want to insure my pet with a company who makes up exclusions, tries to get them past the customer in very small print, and does not accept the professional advice and medical facts from a qualified vet. I am very concerned that this company has had a sharp rise in complaints over the last 2 months and that they are not going to pay out for any genuine claims, so I have cancelled and renewed elsewhere. 2 of my colleagues have also done this, finding other issues with them recently. They also emailed me twice asking the same question, and just will not accept the facts. I see that they are emailing people who post a negative review on other sites too. I just would like my pet to be safe and not to be harassed by this company, and for my vet's opinion and medical fact to be accepted as such. Disgusting. The poor pets and customers.