I would like to agree with most of the comments relating to Animal Friends, their very shabby treatment of customers and their refusal to pay out for genuine claims. I would also point out that they will refuse to pay for any overweight pet if they can relate the illness/condition in any way to its weight. Exclusions as below :- Section 1: Vet Fees 1.3 Exclusions The following are excluded from cover: 1.3.18 Costs for treatment or conditions arising from your pet being overweight, except weight gain as a result of a diagnosed illness; I did write to the company several times asking just what value I was getting for my premium so long as my dog was classified as overweight and they refused to give me this information. There are many alternative insurance providers out there and I would strongly advise anyone to consider these ahead of Animal Friends.