I have 3 dogs all insured with Direct Line, in the past they were great paying out really quickly however they started to go down hill and have gradually got worse, my dog had a 3k operation and it took nearly 3 months to pay out, paid in full but was sat on my credit card that long which is bad, I asked for a break down on the separate payments for each dog and found out our older dog was 42 a month which is more than our 6 year old who had addisons disease, i've cancelled that policy as it's a rip off and would never put the old girl through that amount of treatment. Never had an issue with them paying out to be fair just takes forever!