AVOID AT ALL COSTS. They take your money and when you put a claim in its rejected, even though I had rang up and made sure it was covered. First excuse was that it was a pre existing complaint, even when they had proof with history via former vets, and dog passport. I was then told categorically that the history and passport clearly state the condition of THEY DO NOT AS IT WAS NOT A PRE EXISTING CONDITION. So they lie to you and do not seem to have any qualms in ignoring the truth. They did however make this statement whilst the call is Recorded, this means that the reasons they have given me are false for not paying the claim. I am sure the relevant departments will be looking to get out of this situation, however, a couple of daily newspapers are extremely interested in this, as Animal friends are the only animal insurance company to make a profit last year I am informed, and have (despite their claims) a lower payout than a few of their competitors. I also bet a manager calls me now, they have not bothered to try even a repeated requests. Finally sorry for the rant however it was to give a clear and honest picture. Did I mention the FSA can give unlimited fines and impose strict rules when a company has been shown to be deliberately not paying and lying.