I have twice tried to claim from my Animal Friends Insurance Policy and both times having spent thousands on treatment for my dog they have refused my claim. At the end of October 2020 whilst my dog was suffering from itchy skin the vet thought my dog had mammary lumps which could be nothing or could be cancerous and needed to be monitored with a view to being removed once my dog was well enough to cope with an operation. We then went into a lockdown and during the next few months I was at the time frequently trying to sort out my dogs skin condition (none of which was covered by my insurance and cost me over £3,000 in a years vets fees). In October of this year my dog's allergies led to her needing to be sedated to have her ears cleared after being on steroids etc and it was agreed we would do the lumps at the same time. I have been told that because the operation was 2 days over the 365 day period I first saw the vet my £1300 claim has been declined. Do not use this company they take your direct debit monthly and refuse all claims - they do not care about your animals.