Made a claim for my pets vet treatment for £616.85. After weeks and weeks of chasing the claim finally got paid this week - £360.07. It turns out in the small print they don't cover emergency out-of-hours vet care. Apparently they will pay the first £100 which is completely useless as no vets charge less than £100 for out-of-hours appointments. My fault for not reading the small print - really disappointed - I am now £256.78 out of pocket. Certainly wont insure my pet with them again - because their Policy basically means you cannot have emergency vet care - or if you do you have to pay for it yourself. Sadly this makes it a useless policy, wish I had read the details and saved the £40 PCM this has also cost. I am just grateful the emergency treatment did not run in hundreds or thousands of pounds which it could easily have done which would not be covered. My advice - go elsewhere for a decent policy that gives you peace of mind.