We have the platinum cover with Argos. We have never claimed with any of the dogs but when Bailey was ill in April it cost us £550 in emergency vet bills. They have been absolutely awful and we are still waiting to be paid two months later. They have lost forms four times, not got back to me, promised payment only to say that they are still waiting for information. Yesterday they called and said it had been assessed approved and we should get a cheque next week. This had only happened because I chanced on a really good member of staff who has taken it on and seen it through. If you ever have to chase up a claim with them speak to Phil, he's a kiwi lad and brilliant, if you ever need it PM me and I'll give you his extension number.