After initial injury to foot that vet advised would be better to try and save toe it resulted 14 months later in the toe being amputated. Claim submitted but rejected on basis of not an accident and original over 12 months . Complaints procedure not helpful very confusing and quote terms of law that are untrue. Went to Ombudsman and got small compensation for their handling of the claim. Wouldn't waste my money with them again they will find every way possible not to pay.