I never ever write reviews but I felt compelled to on this occasion. I've had insurance with this company for the last 3 years and it included lifetime cover. I recently submitted a claim as our basset hound has an ongoing skin condition and I thought this would help towards the ongoing cost of his treatment (shampoo, occasionally medication) The claim was rejected on the basis of a single visit to the vet when our dog was less than 12 weeks old which took place while he was still covered by temporary insurance taken out by the breeder. No condition had been determined at that stage. I then took out the Animal Friends cover and it was only a year or so later as the dog got bigger that it was diagnosed as a yeast condition. I feel really let down and wonder now what the point of the insurance was. Furthermore, when I rang up to cancel the policy, the person at the other end of the phone did not seem remotely concerned or too bothered about the cancellation. I would not recommend this company to anyone.