Comprehensive cover... slow to pay out
I took out JL insurance for my pomeranian two years ago, who claimed nothing for the first two years and has now unfortunately been diagnosed with hip dysplasia and luxating patellas. She requires physio and medication for this and John Lewis have been so slow to process each claim (approximately a month after the treatments) that we cannot afford to give her all of the treatments she really deserves as we have hundreds of pounds of outstanding claims at any given time. On top of that, they raised her monthly premium by £50 (allegedly she's suddenly become a 'pedigree' despite having no relevant paperwork from the Kennel Club to suggest this) which has also impacted my ability to pay for her care. It's really unfortunate as the cover is comprehensive so in theory she should be able to get all of the care she needs, but the processes are so slow (5 days to 'receive' the claim form, 10 days to process it and another 3-5 days to pay the money into my account) that my dog doesn't receive the benefit of all the cover she's entitled to.