Animal friends is a shocking business , they use anything they can to wiggle out of a claim , even when advice from your vet obliterates their argument, leaving you no option but to pay the bill or take them to court. Their staff don’t really care , in fact they were clearly planning to reject the claim before I’d even submitted it ! My advice is to swipe right on this company, find a proper insurer that can give the security that you and your pet need because animal friends can’t Please note I gave it a 1 star because that’s the lowest score I can give them on this site but If there was a zero star option that’s what I’d score it