Animal friends and parent company Red sands insurance who are based in Gibraltar(tax avoidance) are complete sharks. They downgraded my policy reducing insurance cover without advising me and added a supplementary 20% claim costs again without advising policy holder. My dog needed mammary cancer cists removed and they would only partially pay out leaving me £2700 out of pocket. Complaints to them are rejected on principle and calls are never returned. Despite over three hours of phone calls on this topic it’s now with financial ombudsman looking into their fraudulent acts of policy changes. It’s like taking out comprehensive car insurance and only getting third party cover in return. Would recommend NEVER use this company.