Terrible experience when our flatcoat died of cancer of the blood vessel lining. He’d had a skin tag removed 10 months previously, mainly as a precaution and so we could test it. The vet concluded it was nothing to worry about but the lab didn’t absolutely rule out that it could be a low grade spindle cell tumour. Instantly, Animal Friends placed an exclusion on all future cancers and tumors, so when George got sick, they refused to pay for any xrays or scans, even though they acknowledged, in writing, that it was a completely new and unrelated condition. Ironically, if it was related there would have been a bit of money in the pot as we weren’t up to the condition limit, so they managed to wriggle out of paying out on both fronts. Despite trying to reason with them, they have just quoted large paragraphs from their terms and conditions, they are very quick to wriggle out of their obligations. I have a new puppy now and I am searching for a new insurer - will never use Animal Friends again, nor will I use anyone underwritten by E and L.