Our now 2yr old cat is the cat with 12 lives .... in his short life he has had 2 ticks, been runover, suffered cardiac arrest & had 2 broken hips .... needless to say he is still going strong although now an inside cat!! PIA were great, initially with both claims a little difficult getting the history (although by the 2nd claim they had all the info) but once that hurdle was stumbled over, it was plain sailing from there on .....