I have 2 dogs insured through Purely pets . Each dog required expensive vet treatment in past 3 tears and each time I received prompt payment within 10 days .My third dog is with Sainsburys and I found them terrible to deal with .My premiums at Purely Pets have not shot up by huge amount and I would recommend .Customer service was great and told me the name of the assessor dealing with the claim so any further queries were made easy .Unlike Sainsburys , if they required further documents ,they would email and let me know and they also would not use delay tactic such as 'we haven't received the documents '.