Update:Just received confirmation letter Kennel Club have paid my vet direct minus £85 excess and the 10 percent I agreed to at the time of taking the policy out in return for lower premium.Excellent fast service and caring staff.Can't thank them enough I would not have been able to afford the expertise and wonderful care from the vets for my 11 month golden retriever who has Steroid Responsive Meningitis without them.He still needs on going treatment at present but is responding well.I RECOMMEND THE KENNEL CLUB LIFELONG POLICY to all pet owners.Trust me IT COULD SAVE YOUR PETS LIFE.