I have been insured with Animal Friends, or should that be Animal Fiends, on their Superior Plus cover (Superior Plus - that's a joke!) for over three years at a cost of around £280 per year (£1100+ paid in total). I claimed nothing until last month, when I claimed for just over £300 for an examination that was carried out on my four year old dog for a specific stomach complaint. Before I claimed, I rang Animal Friends to discuss the claim and was told there should be no problem. After submitting the claim I received a letter from AF saying my claim had been denied because the condition had been present before I had insured with them. This was abject nonsense. I had visited the vet several times for a colonic sensitivity issue resulting in loose stools which my dog had as a puppy (which was cleared up with a diet change almost two years since) and twice for short-lived bouts of sickness caused by dietary indiscretion, like any dog gets from time to time. None of this was related in any way whatsoever to the stomach complaint I claimed for, which was repeated vomiting on an empty stomach over a period of several weeks. I feel I have been scammed. You pay your premium on the dot every year, trusting the company to act honestly when you need them to help out, and when you have to claim a fraction of it back for a perfectly valid reason you are refused. This company is an absolute disgrace and I wish now I'd taken notice of the terrible reviews it routinely gets on the review sites. I have now emailed them cancelling my policy. Obviously I will not now be insuring my dog, because all that happens is you end up paying extortionate premiums on top of the vet bills you have to pay anyway.