My dog was taken ill shortly before Christmas and unfortunately had to be put to sleep on 26 Dec 17. Having collected all the necessary documentation from the Vet i faxed this to Agria on 4 Jan 17. On 6 Jan 17 I received an e mail from Agria stating that the full amount (less deductions as per policy) would be paid into my account within 5 working days. No hassle, no questions etc and a note of condolence to round matters off. Phoned to confirm that the policy was cancelled and already done. The instalment in respect of the policy taken out today would be refunded. Can't get a better service that that