I was pleased with their response too. I put in a claim with M&S for the first part of Maisy's treatment (we went for no excess) and they paid up no trouble within about 2 weeks. We now have to put in a second claim for her latest treatment, another £200. Everyone please get pet insurance my Maisy is only 9 months old and has already had a cyst removal, blood tests and now a neck biopsy as well as numerous vets visits, injections, anti-biotics and it is all covered.