well my two cat and puppy are insured with buddys and ive had no problem with them and i have had to make a big claim for my pup at the cost of 3000 pounds they payed the vet diecred and left it open for on going treatment for her and when smokey got sick as a kitten i clamed for him and had no problems i like them as the state they pay the vet decrect so i went with them