My policy started with Animal "friends" in October 2020. My cat had treatment and medication after a diagnosis of Glaucoma in December 2020, they really clawed for reasons to refuse the claim. They never maintain communication, I had to phone them 6 times over the space of 2 weeks to get any kind of update and the answer you get is "it's on our missed claims spreadsheet that we keep of things that are urgent and haven't been dealt with by the team". That really says it all. DO NOT INSURE YOUR PET WITH THESE PEOPLE!!!! If you care about your fur baby at all, pay the little extra and find an insurer that cares about animals and the wellbeing of their customers. They should not be in business!