My advice would be DO NOT USE ANIMAL FRIENDS INSURANCE! I have had a policy with them for five years now and they have attempted on multiple occasions to not pay out for my dog’s long-term condition based on technicalities that take days to resolve. Due to this my dog’s treatment has been delayed and postponed while they take days to investigate minor issues that they claim may completely invalidate my cover. If you love your animal and want the best treatment, cover and care I recommend that you choose another insurance provider that values customer service. This company has managed to turn and emotionally distressing time for me into an unbearable situation that I would not wish on anyone else. Please choose wisely.