Offer by far the most competitive price with a very extensive level of cover. Over the 6 years we were with them we made a number of claims, relatively small (skin rashes, allergies, upset digestive system etc), nothing major but each year on renewal the price would sky rocket. In the the end what started off as a reasonable policy started to get ridiculous. £250 a month is not to be sniffed at. It got to such a level that we started to avoid claiming for anything that was relatively minor in fear of renewal time. Needless to say, we left as soon as we got the opportunity. This was when our dog had a fit bill of health for 2 years (yes 2 years claim free and premiums would still increase 20-40% per year). We switched to Bought By Many and the only regret was they weren't around when we got our pet nor could we have switched earlier. We managed to more than halve our premium with more cover. Their claims process is uber efficient, online with tracking and their staff show a level of care, attention and empathy that we were never afforded at animal friends. I just hope people do not make the same mistake and get tied in to Animal Friends with their 'welcome' offer just to be trapped later on when you need them most. Once you start a policy and claim, when you switch 'pre-existing' conditions are largely not covered hence being tied in. I could not recommend Animal Friends any less but also could not recommend Bought By Many more.