I have a 11 year old Yorkshire Terrier, had pet insurance all his life, with animal friends for the last 4 years, and have the higher policy too. Never claimed anything for him. He had an emergency, life and death situation. I paid nearly £1000 to get him stable, will be an ongoing issue for life now. Animal Killers (aka Friends) will not pay me a single penny to cover anything, even the vets are disguisted in Animal Friends behaviour, and have had to force me to cut my little best friends treatment shortening his little life, thanks a lot Animal Killers - please anyone who cares about their pets stay away from this nasty vile company!