I have only just received the confirmation of payout following the death of my beloved dog over 5 months ago. After paying in religiously every month for over 12 years we have been told that the sum due to us for our final vets bill of over £900 is about £270. After deductions made and fixed excesses and percentage excesses the final amount is PATHETIC! Apparantly there is a clause that says the maximum claimable is £500 but they deduct the excess from this. Now I'm not a rocket scientist but even I can work out I'd have been better off putting my money in a piggy bank and hoping for the best. This news came after months of waiting and phone calls asking them to pay up. I can't believe they're still trading!