Iv been insured with asda for the last year and can't fault them ,found my dog had a leaking hart valve and then had a lung infection that ended with being kept in for 5 days at vets ,totalled 1400 quid and they payed out every time I sent receipts in ,also emailed 2 say they had received them ,just wish I had taken out the platinum instead of standard with it being a ongoing illness ,atb john