I have ‘superior’ policies for each of my 4 cats. I have never submitted a claim until recently when my cat had to have emergency surgery for an abscess. Animal friends have refused my claim as they have regarded it as dental treatment. Looking at reviews, it seems they always find find a way to get out of paying out for claims. They refer to their terms & conditions, however this information isn’t in your policy. Us pet owners take out insurance to cover the costs of unexpected accidents or illness, however you will not get this reassurance with Animal Friends. I’d advise you to look elsewhere or save the monthly premiums instead. I will be cancelling my policies & will be writing to this ombudsman. Very disappointed.