Avoid these thieves. 10 years of premiums paid to AF for our Dog with no claims made. Poor lad has been diagnosed with a Tumour in his Jaw, rang AF prior to telling the Vet to go ahead with his surgery. Told there was no problem and to go ahead, he was covered. A week later received another call from AF telling me the vet would be paid that day. The next day I received a 5 line email from AF saying his problem was dental related and they were refusing the claim. We have complained and I have let as many as I can let know what this company is like on social media so I hope I have cost them a few hundred customers! This company needs investigating ASAP it us legalised theft.