My dog had his operation on 22nd September. I have received notice of payment today which I should receive in 3 to 5 days. The treatment cost £190.00 and my excess should have been £80.00 so I was expecting 110.00 back I have only received 79.00 apparently as well as my 80.00 excess I have to pay a waiver fee. This is disgusting. I have also received a review of my dogs policy with clauses on now that we have claimed. Will be telling them where they can stick there policy if I have to pay the first £120.00 what's the use of paying them £17.00 each month for this insurance best putting the money in a saving account until it's needed. Beware of using them.