My 2 Lhasa Apsos both have sensitive stomachs and were unlucky enough to catch campylobacter 3 times within a year. This results in several hospitalisations at the vet hospital costing £300-700 each. All claims were settled quickly or directly with vet hospital. No quibbling. I am delighted not to have needed to make any more claims recently, but Kennel Club insurance was there when we needed them. Thank you