I was concerned when my vet groaned when I mentioned I was insured via Animal Friends. He said that in his experience they were one of the worst pet insurance companies to try to claim from, and so it proved for me. They consistently tried to claim that the matter being treated was related to some previous completely unrelated matter in the vets notes, even where that had not needed treatment and was wholly unrelated to the current issue. It took persistence from our vet to get them to accept that the issues had nothing to do with each other. They are charlatans, avoid.