Watch out for the gradual, but significant erosion of policy cover after a claim. There is now so little covered by my policy that it is pointless. For example, a bout of sickness lead to "the (whole) digestive system" being removed from cover; and accidental injury lead to anything relating to "sticks" being removed from cover; a heart murmur at a check up (no treatment needed) lead to "heart conditions" being removed from the policy cover. This latter situation was most disappointing as this did not appear in my pet schedule and only came to light when my (now elderly) dog actually needed medication for heart failure. I have found the fiscal attitude is completely inconsistent with the Animal Friends advertising (friendly and charitable). I felt extremely let down by Animal Friends Insurance at a time when I needed most help with my pet's healthcare costs. I do not recommend them as an insurer. I just hope some of my money has made it to animal charities.