Four months after making a claim the company has agreed to pay around 60% - they have deducted excess, 20% contribution and another 25.00 for premium changes. At the same time they made this payment they increased the annual premium by just over the amount they have paid our vet. I will be cancelling this policy as soon as the vet confirms they have received cleared payment and will never use this company again. I would strongly advise you keep an eye on your premiums (ours was 60.00 for the first year; this year will be just over 500.00 if I were to keep paying it).