So Bad Going to Financial Ombudsman Service

Our dog is getting older and she is ill with several conditions, however, when we first took up P@H insurance they were one of the few insurers who would provide lifetime cover for an older dog...At a price. Last year her insurance was £133 per month and the renewal has come through at £145 per month. This might sound astronomical but our girl isn't a healthy youngster and her medication costs quite a lot of money. When we took the cost of medication into account and the fact that insurance would then cover any new illnesses we decided it was worth it for the peace of mind...
Initially this insurer always paid up in a timely manner and in full but over the past 12 months they have dragged their heels when it comes to coughing up and they now owe us for 9 separate claims going back 3 months. Not a month has gone by when we haven't phoned to find out why the claims aren't being settled in a timely manner. They have reported that they haven't received the claims from the vet or pieces of information have been left off or are missing. We have even had them acknowledge receipt of information only to then be told that they haven't received it!!!
So all in all we've had enough and will be going to the FOS so they sort things out. Sadly we are stuck with no option but to be without insurance or renew because we cannot insure an elderly, sick girl with any other insurer but hopefully the FOS will hold P@H insurance to account and make them pay up what they owe.