We have been with Animal Friends Insurance for 5 years, have never made a claim and our elderly cat has been very healthy. However, this year they increased the premium by 35% (stating it was due to him being over 10 years old - he is now 12 ½ so why didn't they increase the insurance 2 years ago? - and they added that they would not cover 'any illness or condition linked to the Pyrexia'. Our cat had a raised temperature in 2012 (9 years ago) which the reason was never discovered - he could have been bitten by another cat / rat etc. or maybe had an illness of unknown origin. No further episodes and the vets said it had been a mystery as to why he got ill all those years ago, but not to worry as it was obviously a 'one off'. But their new exclusion meant that, if our cat got ill, they could simply point to the fact that he had a temperature (which tends to happen with illness / infections etc!) and refuse to pay. Our vets wrote to them and said this was ludicrous, Pyrexia is a symptom and not a condition, but they refused to remove this. So we cancelled and went to a new insurer, slightly more expensive but I just had the feeling that this company were looking for excuses NEVER to pay out if we ever made a claim. Reading some of these reviews, it is a well founded concern.