My dog Keira died at the age of one. she died from septicaemia and my vet and the emergency vets said that they didnt know what caused her to get this. As the vets didnt have an answer to what caused the septicaemia, "Aniaml Friends" decided they would make up their own cause. Obviously this cause is part of their Exclusions so they wont pay out. After they first declined i rang them up and they said that i would have to get the vets to email them saying that they didnt know. They sent the email and they just declined again. I am still currently fighting against Animal Friends as I refuse to pay the £2300 bill when I had insurance. They are all smug about donating some of their profits to charity but this is probably because they make that much money from not paying out.