My query with you has been going on since 11/10/2016, my dog was castrated, the vet did an x Ray of his mouth we didn't know about, when we collected him, the receptionist explained how we could claim on our insurance and their wouldn't be a problem their end at the vets, sent claim in M&S said they didn't receive it back to the vets another claim sent in, letter received today saying he has an oral condition, no he has not and the vet will tell you so, if you bothered to listen
To what I am saying which you don't, worse customer service ever will I insure again.... NO chance......don't ever insure with them folks quick to take your money, but absolutely don't listen