I have been with Animal Friends for many years and I have never had an issue with any of my claims. Having 2 terminally ill dogs they are on several medications a day, they need to have blood tests 3 times a year and with all the different illnesses they have a lot of claims go through. It’s a fast process and a very quick payout usually within 4-5 days of excepted claim. All staff are courteous and very helpful. I highly recommend on the above only. Costs before a claim are very low but once several claims are made it does increase but all insurances increase once you make a claim. 5* for this company