We have paid insurance for our four dogs for many years, without a claim. In the past year we have had to make three claims. The first was for an operation to remove a mammary mass. We received about half of the cost, but were told that any further recurrence of the condition would not be covered. The tumour was found to be benign so this was totally ridiculous. More recently, one of our older terriers has had a crisis with a heart condition but Animal Friends had refused to pay anything towards her care. They are probably the worst insurance company we have ever dealt with. No more money from us and I would strongly advise to look elsewhere.