I have been with Animal friends for 31/2 years. In the beginning there were no issues, always paid out at a reasonable time. Then payments started being reduced finding all sorts of reasons to cut paying. And now, well what can I say, it is absolutely disgusting. I constantly have to send repeated claims as they keep coming up with excuses such as , paperwork not filled in correctly or amount not correct then when they haven’t paid for a claim they ignore you. Even using the pawtal through the vets it’s exactly the same. I can’t go anywhere else now as my dog had diabetes and I won’t be able to insure him elsewhere. They should be ashamed of themselves Stay well away from this appalling company