Was worried about my little Yorkies tummy as felt hard took him to the vets they said he needed a scan did the pre-authorisation through the pawtal system and this was authorised within hours he had the scan the next day this revealed a large mass he was operated on and his spleen removed within 2 days because he is 8 yrs old I had to pay 20% of the total cost as well as the excess amount but the portion that animal friends was paying was paid within days of the vets making the claim the vet had my invoice ready when my dog went for his stitches out. Fast hassle free claim