I took out a policy with this insurance company last year & have paid by dd ever since. When I took out the policy it came up in a search engine in the usual way with their different stages of cover i e; Bronze Silver & Platinum with different amounts of vet fees at £2000.00 for bronze etc it didn't make any obvious notes that the bronze was for accident only. I had a problem with my dog which meant I had to take her to an emergency vet who found a heart murmur, I then took her to my own vet for further tests & they discovered that she has epilepsy. I phoned the insurance company for a claim form & they informed me that my policy would not pay out as my insurance policy was for accident only & not illness. I would never have taken out a policy with accident only on it & I am sure it didn't show this on the search engine I used. Now I am stuck with a large bill & might as well have burned the monthly payment I have & still are paying!