My claim took over 3 months to be paid. If I phoned all I was told was that claims were dealt with in date order. As subsequent claims were dealt with by my vet and he was kept waiting for over 3 months as well he has now said that I will have to pay upfront if any further treatment is required which will prove difficult when on a state pension and treatment costs are in the thousands. However due to my dog’s age I now cannot change insurers.