Beware the small print, Animal Friends deduct excess twice if condition carries on into another year e,g, I was paying £43 per month with an excess of £99., I had superior plus lifetime cover. Pet was Ill in May , policy automatically renewed 31st May, pet was treated for same condition in June so had to pay excess twice which was £198. Better off to insure pet whilst young, paying the low cost to draw you in. Meanwhile put money away each month, end insurance when price rockets and continue to self insure. Pet insurance is a racket designed to rob pet owners and make certain people very rich.