The last company you want to speak when you need them most.

Specifically for Pet insurance: Make sure you read all t&c. Max cover of (amount) does not mean you are covered by that amount. Each line item has its own limit, and far underways the actual cost in your time of need. (Payout less than 10% of full bill, around 50% of max cover.) I've The payout for my emergency is less than what I've paid in 9 months.

What I experienced during pet emergency: -left message to get called, instead get a sms with name and number (and when calling, no one worked there with that name) -person I spoke to refused to help me cause it was in my mother's name. Even when I told her my mother is here, and can put her in speaker, she said "we can't help, read your policy" -after speaking to my mother for her ID, the lady kept in telling us to read our policy, and did not want to help us understand what cost/cover would be like.

Note: the above is what I experienced while dealing with needing to make a call that will cost a large sum of money, or put my dog down.

I've had way better experience with car insurance, where the caller understands you are going through something and actually wants to help you.

I would not say they wronged me, or went against the policy, but be warned: -the policy is deceiving, if you can just afford standard cover, rather save the money in a bank. -difficult to get on the phone in your time of need -unhelpful, borderline rude when you need assistance.