Animal friends have declined my claim for my dog recently. He has superior plus policy(lifetime). We took this policy out on January 4th 2013, on Sept 12th 2013, he was diagnosed with Hip dysplasia. Animal friends are telling me it is a Pre-existing condition! He has not required any treatments nor medication until March 2017. Now I have put in a claim and Animal friends do not want to pay out for his X ray or pain relief. I think this is disgusting, considering I have been paying every month for four years and not had a single claim til now. Also, my fog has just been diagnosed with Spondylosis of the spine. Animal friends have declined to payout for the x rays and medication to treat my dog as apparently this was an incidental finding. (When I clearly asked my vet to X ray his lower spine incase it was his spine giving him pain). I really do not know how this company can publish all their good work they do for animal charities, yet refuse to pay out for a dog who was clearly insured for 9 months before ANY condition was diagnosed. I am currently pursuing this claim. I will take it all the way. They are not going to get away with this. I will go to the Press if I have to.