My Whippet had a benign lump removed from the top of her head. Tesco paid the £454 bill within 8 days of receiving the claim form direct to my vet so I only had to pay the excess. Unfortunately, the day her stitches were removed I had to take her back to the vets out-of-hours as the whole wound suddenly opened up and had to be restitched. Again, Tesco settled the bill which was £426, within 8 days of receiving my claim. I cannot fault the service I received and would not hesitate to recommend them. Obviously at the present time I do not know how by much my premium will increase next year as a result but I realise that premiums will always go up by a certain amount every year as do the charges made by vets.