We've been waiting for our claim to be dealt with for months now and meanwhile a second accident happened with our dog. The first one happened when he injured his shoulder in the park when playing, the second one was a bite from a german shepherd, both with emergency treatment. It's been many months now and neither the first nor the second claim was dealt with. They constantly try to find excuses to procrastinate, first making it impossible to get the right form for the claim, then asking for details of the owner of the german sheperd who attacked. Now we are simply waiting and nothing is coming back, even though our vet sent the claim to them directly. Absolutely disgusting. I can really picture the teams sitting in their offices and the manager giving instructions as to whether a claim will be successful or not based on their profit numbers that day. obviously we will stop paying and leave the insurance, but we will terrorize them with emails and calls till they pay us the expensive accident treatments that they "claim" to cover in the insurance documents. and if they don't pay we will take legal steps. don't spend your money to this unethical company and rather set aside a good amount of money into a savings pot. in the end the money is yours and if you need it you also have it available. this is what we did since we got our puppy and continued doing even after we decided to get insurance "just in case". turns out the insurance is absolutely useless!