Ok so first of all let's get the positive part of the review done. This company has paid up when a claim goes in. My main reason for discontent is that if your pet is diagnosed with a long term illness. Knowing full well that you can no longer move insurance companies they take the opportunity to shaft you. In one year (when my dog was diagnosed with arthiritis) they doubled my premium (from approx £100 to £200 a month) and it has consistently gone up every year since. Expect any treatment to be added onto next year's premium in full. I've insured quite a few pets down the years and have never had an insurance company like this one that seem intent on wringing money out of you. Also read the small print carefully as everything seems to be exempt or have a limit, especially common ailments like cruciate ligament. Personally I would go elsewhere.. I've had far better experiences with other insurers (such as tescos) who behaved decently even when I had a cat once which cost them thousands more than I ever paid them.