I left an earlier 1* review for Animal Friends following their decision to refuse a claim for my sick cat on the basis that his gastro-enteritis could somehow be interpreted as an underlying condition. I made a complaint through their system and, much to my surprise, they upheld my complaint and made a payment of £400. In fairness to Animal Friends I am giving them 3* for having a complaints system which, at least in my case, can result in a changed decision. So my advice would be that if you have a claim turned down, don't necessarily assume this is the final word