i used to be with E&L too then when i had problems with them i went to halifax insurance for the dog, halifax give u a discount if u insure more than 1 pet with them but whn i went to insure my 2 kittens they wanted to charge different amounts for them, i can see a reason for that if they were different breeds, but they r both just moggies, i searched online and they r now covered with more than insurance, they also include a 24hr vetcare line too