Hi I am hoping for some much-needed advice! Last December our beloved cat suddenly became breathless. The vet diagnosed heart failure which he tried to treat with surgery and medications. Sadly after 2 days we had to have her put to sleep. I have RSPCA Gold Pet-insurance, underwritten at the time by AXA. I contacted them for a claim form which arrived and I completed it. As agreed I paid the Vet directly the £75 policy excess and left them with the claim-form for them to finalise and send to RSPCA Insurance. The total bill came to around £1000 I think. I heard nothing more until 2 weeks ago when I received a letter from a Debt Collection agency on behalf of the Vet! (Also, the bill now appears to have increased to £1200). I ignored the Debt Collector and contacted RSPCA, who said they had never received the claim-form from the Vet. The Vet said they sent the claim, and maybe it was lost in the post. I requested a new form and filled it all in again and sent it off to the Vet for them to complete again. After a few days I checked the RSPCA had received it, which they had. Yesterday I came home to a message on my answer-machine from RSPCA saying they had decided not to pay the claim and they would write to me with their "reasons". Back to square one. It wouldn't be so bad if it were just a claim for a car or something, but it is so upsetting because I still haven't really got over the loss of my cat so I know I am not thinking as clearly. Before I go off like a rocket, can anyone please offer me any advice on the best way to go about sorting this mess out? Thanks in advance, Jules x