I can understand why many vets don't deal direct with insurers. They are businesses that rely on cash flow and as we've all seen, the insurance companies are rarely in a hurry to pay up.
If it's bad enough that you have to pay the credit card interest for two month, imagine having a dozen claims outstanding while you're trying to run a business. Yikes!
Argos were ok with us but far from snappy when it came to processing the claim. However, the cheque and the separate letter telling us to expect a letter, both arrived the same day.