
I can only give my personal experience. I insure pups with them on the day that they leave home. I have always recommended them as brilliant.
Then, the very first time I decided to do it online, instead of by phone, I had problems! One of my new puppy owners phoned them to continue the insurance on their puppy. Only to be told that they weren't covered. As most of you know, you provide the new puppy owner with a "cover note" number. My new owner was told there was no such number. I was absolutely mortified when I received an email informing me that their pup was not covered. I felt that she could quite easily believe that I say that to everyone, and it not be true.
After loads of phone calls I was really losing it, as nobody seemed to care enough about my problem. So I wrote a really snotty letter to them, in despair, and not expecting a reply. I received a phone call from the supervisor in the customer service section. I almost told her her fortune! :-(
When I calmed down, she promised to phone and apologise to my puppy owner. They had to accept that it was a problem on their site at the time. It was arranged that the 6 weeks free cover would start again, and their own cover would follow on after it, and they offered 15 months for the price of 12.
So, although I have never since activated online, and will only do it by phone now, I can say that my rantings were dealt with very proficiently once I got through to the right person!