My Flatcoated retriever had a wart removed from her elbow by our vet - 10 days later while travelling to Wales for a holiday the wound opened up and needed restitching. This meant a claim involving the Welsh vet as well as my own. Payment took a couple of weeks and I did phone to check what was happening. Customer service was excellent and a few days later I was paid in full - only 1 excess payment was taken! Well done More than!