My beautiful dog passed away in May and I have only just had the claim settled this week!!!! This is after I have had to chase all the vets information they wanted as they denied ever receiving any emails despite the vets cc me into the email trail I had to do this 3 times July sept and oct as I was being chased to settle the bill, and now right before Christmas I am left with the bill to pay for the deficit which is over £1000 after so many 'deductions' which is not good at this expensive time of the year! Am very disappointed at this really hard time and won't be using them again...definately avoid!