ook out a policy on my Labrador knowing that my dog had arthritis and I knew that I wouldn't be able to claim for costs relating to this problem. Whilst walking my dog off lead he fell down a big hole and couldn't put any weight on his leg. Took him to the vets and they decided to do X-Ray's on his leg . His leg wasn't broken and they said it was likely that he had could have pulled muscles,ligaments or tendons. The X-rays did show arthritis in his leg which we knew about. Well surprise ,surprise Animal Friends refused to pay out because he had had a limp year s ago due to a flair up of his arthritis. I told them that this accident he had was nothing to do with his arthritis but was tendons or ligament damage. All I got was a woman from AF telling me that because he had been lame before then anything to do with any of his legs were not covered and anything to do with his bones are not covered. No matter how much I tried to have a sensible conversation all I got was the party line. These people are not animal friendly , they will do anything they can to not payout. I now have to go through the hassle of persuading this through the FCA and possibly the courts.in 2016 there are 47 negative reviews on trustpilot all saying the same thing. They have also been investigated by BBC's watchdog about them finding any reason they can to refuse to pay out,how the hell they won all these awards that they advertise I don't know . AVOID THIS COMPANY, unless you like throwing money down the drain.