I use them for our dog and found them to be very helpful. The dog policy is quite comprehensive for what's on the market atm and would use them when I get my own horse. I've not had to claim yet, well, no, chosen not to claim because hubby decided excess should be £90 and so far it's not been worth it. I did think the horse policy looked good when I was noseying though, I thought I'd post about them as a company in general as I don't know many people who use them tbh x