AVOID THIS COMPANY - Would give them no star if I could. Put in claims on 19th Jan and 2nd Feb totalling £2199, but they are still outstanding and being fobbed off that they are working hard processing them. Both forms were completed in full and emailed in by our vets who is actually a veterinary hospital and fully aware of claims and procedures, so knows how to complete claim forms. When you speak to anyone they say they cannot speed things up and then within days get another text message to say they are working hard to process the claim. Reviewing a fully completed claim form, along with evidence from the vet who treated the animal is not difficult. Now at the stage of having made a formal complaint and looking to get legal advice with potential of taking legal action and referring to the regulating body / organisation.