Easy and prompt claim process, I got paid the same day I filed the claim. You file the claim online, they get in touch with your vet themselves. But they tend to unreasonably increase your insurance premium. After the first no-claim year they tried to inrease my premium by 50%, I said I would leave, they backed, though still increased it by much more reasonable 20%. On the second year with one minor claim they increased the premium twice and refused to dicount it. So buy-buy Tesco!