We recently lost our 16 year old collie and had been insured with animal friends for over 5 years. They have done everything to avoid any payout. His back legs began failing badly in nov 2018 that was then linked to the possible arthritis diagnosis in 2016. He also after tests had pancreatic problems and kidney problems two separate conditions refused to pay despite support from our vet. They put the kidney problems down to long term use of metacam since when is 3 months long term. They are a disgracefully money grabbing insurance company not interested in actually supporting you when you most need it. Never use