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We,ve used john lewis which too is underwritten by axa, I felt the same, I rang again as I didnt have much confidence either. Two claims forms ended up being sent.
Got the cheque today (so they paid out quickly, at least) - £455! That means the vet bills for a couple of poo tests and an eye problem (corneal ulcer) were £605 (£75 excess for each problem)! Wow! So my pet insurance has paid off this year already (within 6 months). Hopefully Henry will be a bit more healthy in future. Presumably my insurance will go up next year as a result, which seems a little wrong to me...