I was very disappointed as the company did not pay out for my claim. I was told by my vet that there would probably be more treatment needed in the form of physio therapy. Once it had been decided that no physio was needed I submitted my claim only to be told that it was more than 3 months since the incident happened. When I phoned an extremely rude lady said there was nothing to be done. I had previouly phoned the company and was told to only submit the claim once the treatment was finished.