I'm Direct Line Pet Insurance customer. My dog developed urget diarrhoea one month ago. Then we took the dog to the Vet for consultant, and to the out of hour hospital for treatment. Thus, we had 2 biils with 2 different Vets. I made a claim online, then Direct Line contacted these 2 Vets separately. After the vets provided all information to Direct Line, I got the payment in 2 weeks. It's very easy and efficacy. In addition, their telephone customer service is very professional and friendly.