Basically, no matter how cute the website, or how competitive the price, what you need to know is how the claim process goes. I have been a Waggel customer for 4 months. My dog got an eye infection. I used the free app to talk with a vet who told me to see my local vet ASAP. I saw the vet and got eye drops. It cost me £71. As I have a £50 claim contribution, I thought this was a good claim to make (small, easy, one off). I used the website. It literally took 2 mins. I then had a long wait for my vet and Waggel to communicate (no idea what the hold up was, it may have been my local vet) but after about 2 weeks, Waggel asked me one clarification question, then within a day, they agreed to pay out. And today the £21 went into my account. Really easy. No issues. I will report back as to what the insurance policy increase to at renewal, but hopefully it will be negligible. From illness to money in the bank was 24 days.