DO NOT USE ANIMAL “FRIENDS” If I could give zero stars I would. I have been paying my dog’s increasing insurance for the past 7 years and have made no claim. I accidentally knocked a metal rake which fell on my dog’s face. Within hours her face under her eye had swelled up. I knew it hurt because she yelped at the time. Over the next few days we took her to the vet who gave anti inflammatories and anti biotics, we went back & forth, for 4 weeks, in the end she had a procedure to drain the fluid from her cheek, which they paid out for £289. Still this never worked, so we took her back to the vets, & upon x-raying her, discover she had fractured her tooth. Put in the claim, now animal friends have said that as this is a dental/gum procedure this is NOT covered in the policy, now I have to find over £1000.00 to pay for the rest of the bill. It was good feeling having her insured as it gave me a good sense of security for her future but the reality is not like that with Animal “friends” at all. They should rename their company as they do not care at all about the animals just about the money they can get from not paying out claims when it is needed. DO NOT USE ANIMAL “FRIENDS”