If i could face given zero stars i would have I changed to them in autumn 2020 when my insurer almost doubled my premiums and got what I thought was a good quote from animal friends Put a claim in end of January 2021 for a serious eye complaint and was refused saying it was a pre existing condition he had before the start of the policy August 2019 I explained ( my vet agreed ) that was mild conjunctivitis or allergy reaction with no follow up and nothing like the serious glaucoma he was suffering with for the claim I was told it was his eyes that were not insured for anything and would not change the decision so I will be taking it to the ombudsman and let as many people ( Facebook ect ) not to deal with these crooks take your money but do not pay out when you need them too Disgusted