I never had insurance on my previous dog and he was a healthy 16.5 year old when he passed away but when I got my new puppy decided to take out insurance with Pet Plan - having had him for a year the vet contact them regarding a claim regarding a hernia and some dental work. They now have turned down my claim saying this was known - this is not true the hernia was not spotted until he was nearly 2 months old and although a comment was made when he was first examined that he had an undercut jaw - this is normal in the breed - this is not the reason why he needs to have two teeth removed this is because they have not fallen out. Having paid over a year's worth of premiums at a high rate I am not impressed with their denial to settle what should be covered - as no exemptions were made at the time of taking out the policy. Wish I had gone to another insurer - not impressed with their attitude