My dog required an operation to remove a sock and child's t-shirt that he had swallowed (labradors eat anything!) Before collecting him from the vets, I printed the Tesco claim form and took this with me. The receptionist took the form but said it could take the vets 3 weeks to complete it! Anyway around 10 days after the procedure, I received a text from Tesco to say they were processing my claim. This evening I found the full amount (minus the excess of course) deposited in my bank account. No quibble/stress.