My beautiful Labrador had ruptured his cruciate ligament approx 2 years ago and they paid the £4K bill! Our vet stressed it might happen to his other back leg, I checked with AF and they said it was covered, in the meantime I am paying nearly £40 per month for him as my premium went up! I also have 2 other dogs so pay just under £100 per month! He recently ruptured his other leg, they’re not paying as its time limited to 365 days! What the hell! So now have to take out a loan to pay this ridiculous amount of money! All I want is my labbie to be ok! What a rip off! I have cancelled all of my insurance and set up a savings account to put the money into! Please beware!