With my first claim I had to chase and chase the operators in the call centre to follow up - the claim ended up dragging on for over a month, at least. Because I spoke with people in foreign call centres, there was a language barrier at times which was really quite frustrating. But in the end the claim was sorted. I guess it was just a bit of a rocky start.

My second claim was a breeze though and this policy has been a great comfort for me with regards to my rescue Wolfhound X who only last week needed to go to the vet AGAIN, for a new condition this time - skin issues! It's total peace of mind for me, as if anything bad happened to her, the last thing I'd need would be financial stress on top of the emotional stress.

In all, they're great to deal with in terms of getting set up quickly - I believe I spoke to someone in Australia to get set up. I'm actually probably going to swap my other dog over from Petplan shortly to PIA because they're much cheaper. So there you have it, as honest and unbiased as I can be! I would recommend them for their cost, which is below other insurers.

Approximate cost: $56