I had a 3 year old cat who got hit by a car. He lost his eye, leg,most of his tail and had his cheek wired. So far the vet has claimed for £1600 and animal friends have already paid with no problems. I still have £600 to claim for but I am happy with the service so far. The only treatment they have not paid for is the castration and food, which I was already aware of as it says it clearly in the small print. I am getting another kitten in a few weeks and will be insuring her through animal friends.