I purchased insurance in January. Unfortunately I have recently had a large claim on my policy. I did pay the claim fees at my vets, which meant that they would deal with all the claim forms and such. This was the first time that I have claimed on pet insurance, so was a little unsure of the process. About a week later I received a cheque for my local vets, and approximately a week after that I received a letter from a specialist vets informing me that they had been paid directly. I am extremely happy with the service, and will be using again in the future.