I insured my two elderly cats & chose Animal Friends most expensive policy option. When my eldest cat was ill, they refused my claim, stating that 'weight loss' was noted on the vet's record prior to commencement of the policy with them. They then proceeded to preclude ANY illness which could be associated with weight loss, which was pretty much everything. My vet contested their decision in writing & they agreed to pay out. They also reversed the preclusions. I am disappointed that I had to go through this harrowing experience. You don't need this additional worry when your pet is sick. You pay insurance because you care about your pets. 'Animal Friends?' I don't think so. They claim to give x amount of money to charities which is all well & good but their loyalties should lie with their policy holders.