These guys are crooks, beware. I have been paying them for 8 years, never claimed anything off them. My dog got a cist just over a year ago, but it was tested and benign and the vet said since she is quite old and it is not causing her pain or discomfort there is no need to remove it, unless it gets infected or starts to cause her pain. A week ago it got infected, we now have to have it removed. The operation is quite costly and AF are refusing to pay. They added an exclusion for cists and warts so that when the policy renewed they would not have to cover the removal of the cist if it was required. Honestly shocked & disgusted that this is how they treat a customer who has been paying them for almost a decade.They are not cheap either. If you love your pet and want to make sure they are covered, stay clear of these cheats. I have paid them well over £3500 over the past 8 years in fees, which is significantly more than the cost of the operation. Disgusting. I was told had I removed the cist immediately it would have been covered, but why would I put my dog through unnecessary pain and discomfort at her age just to satisfy the requirements of the insurance company. I was also not informed of this at the time. I have lodged an official complaint and will be following up with the ombudsman. Save yourselves the trouble I am going through and find somebody else.