Bad experience with Pet Insurance

My dog had a lump on his paw caused by something that he stepped on like a thorn or something. I am a pensioner and spent the money at the vet thinking it would be returned immediately. I would have self medicated my dog had I known the out come. I was refused as the vet merely said it was a lump. He never said what could have caused the lump. To us, the vet said, it could have been caused by a thorn. Have other people had the same treatment from Outsurance Pet Insurance , I would really like to know? I have heard other say they were paid out the same day from their pet insurance. This has taken several days. I have cancelled my policy,