My dog had an exploratory op on his paw under anaesthetic in 2018 after it became infected after a cut at the beach, my vet thought that there may be a foreign body in the wound. Animal friends refused to pay out as he had been treated for a 'pre existing condition'. In 2014 he was treated on a different paw for a small cut which I didn't claim for as it was so minor. My vet rolled his eyes when I told him and said that Animal Friends are a nightmare. He complained on my behalf as he said this was a nonsense argument. They have still refused to pay up. I have not made a claim in the 8 years that I have been insured with them. Be warned!