I have made two claims with this company but unfortunately due their small print, lack of knowledge and empathy I have found them to be a complete rip off. If you have a pet please could you ask them to time their illnesses (or in our case, death) to be more in line with the policy timings. Only had two claims in two years - first was an ear infection. We went to the vets on day 18 of first taking out the policy to be told by Animal Friends "well the infection must have started within the 14 day initial period" - must get the dog more educated on when she can time this better in future. Second claim - leg lame in last month of policy (April) and Xrays followed by euthanasia in first month of the new policy (May). All one event but - two excesses and 2 x 20% of costs to ourselves. Animal Friends paid less than we did and minus a much loved dog! Okay so we are one week into paying you for a full month of insurance - you said you have automatically cancelled further payments from us so do I get a refund for the three weeks of insurance I don't need as this works both ways? No that that either...... I was made to feel like a hinderance when I queried it. Appalling service and feedback will be left to other sites and animal services so others don't fall foul.