Submitted my claim for dental treatment in December, straight up claim had to chase them several times kept fobbing me off after about 8 weeks of chasing finaly got informed that the claim had been settled .had to chase the payment to be put into my bank .was shocked to find that as well as the excess of £100 a further 20pc had been taken as my dog had reached the age of 8, so from a bill of almost £600 I got just over £300 back .they then hit me with my monthly payments increasing from £25.99 to £48.99 almost an 100pc increase ,up to this claim for dental treatment I had paid in for 7 years without any other claims .I've decided that it's going to be better to put some money away every month to pay for future veterinary treatment than to be ripped off at every turn.