Absolute rip off merchants doing everything possible to avoid paying out on perfectly valid claims. Have been paying for the top cover for 7 years since adopting my lovely rescue dog when she was 4 years old. Currently getting the run around as they delay matters no doubt will then say it is not valid as it will then be over the 90 days to submit a claim (which they did a few years ago). The monthly premium of £93.05 due to increase to £111.57 soon minus the £99 excess on each condition and 20% not allowed as my dog is over 8 years . This is despite the fact that I buy the medication from online vet saving about 70% on the claim costs. Was taken in by the 'animal friendly' charity stance they portray on the ads but they are the worst animal insurance company ever encountered. With my earlier dogs I insured them with the PDSA and Pet Plan but went with Animal Friends this time thinking they were helping animal charities etc. AVOID as the stress and time taken trying to get a claim processed is not worth the hassle. Wish I had set up a direct debit to building society account for any unexpected vet bills etc.