Avoid at all costs. I should have read more reviews before taking out this policy as there are a huge amount of terrible ones. We had some small lipomas on our dog looked at years before taking out the policy. Several years later after having the policy for a couple of years my dog developed a couple of lumps (not near the existing lipomas that had never been an issue or grown in size) these new lumps were growing and would need removing. Although I thought they may reject the pre authorisation because he had had previous lumps checked I did not expect them to then put an exclusion in my policy meaning that he would not be covered for any tumours or cancers! After calling them it was clear that they wouldn't change their minds as they can do what ever they like. I inquired if they would reduce the price of the premium as they had decided to reduce the service they were providing me, only to be given a firm NO and that they wouldn't discuss it. If this company had an honest bone in their bodies they would change their name from 'animal friends' to 'screw your pet we only want your money'. It would be far better to pay a little more for your policy and go with a decent insurer as their insurance isn't worth the paper its printed on! 1 star review is far too generous!