I took out Accident Only insurance (£51 for the year) for my puppy as he was very accident prone!, at 8 months of age he badly cut his pad on broken glass whilst on the park, he had to have stitches which ended up costing £350, I submitted my claim and they paid up very quickly with no hassle. I expected the premium to go up the following year but it stayed the same. I will be insuring my second dog with Animal Friends.