Hello All Unfortunately it is the loss of my dog that has brought me here today, I was wondering if anyone has had similar experience with pet insurers. My 3 year old Shih Tzu died unexpectedly on Sunday night, he passed away just minutes away from the vets, although they tried to revive him, it was too late. I rang the the pet insurers on Tuesday explaining that I could not find the insurance policy and they emailed a copy to me, since then I have found the original policy. However, there is a discrepancy in the original policy (dated March 2018) and the copy then sent me, the March Policy includes death benefit and the one they have just sent me does not. I did tell them on the phone that my dog had passed away, I cannot think of a reason why I would be covered for death benefit in March and this would now change, has anyone had a similar experience? I have not been insured with this company before and this was my first year with them. I have today read some pretty awful reviews about them and am now concerned. I have not raised this concern with them yet as I need to speak to the vet, because they did not know why my dog passed away and suspect he had an undetected heart problem. I am just not ready to deal with it all yet, as I am devastated at losing my best friend.