Well all I can say is I wish I had read the reviews before I insured my dog with this nightmare company! My 6 year old labrador spent 2 nights at my vets after vomiting continually for hours. I am now over £1400 out of pocket because they will simply make any excuse to not pay out. I should have known because when my vet asked who I was insured with, he rolled his eyes and shook his head when I said 'Animal Friends'. He said they were pretty much the worst he'd ever known for paying out. Another vet I have spoken since said the same thing! AVOID!! I'd give them zero stars if it would let me. ps On a brighter note, thankfully my lovely lab is back to her bright happy self again.