Paid insurance for 3 years without a claim, then my dog developed a kidney infection and a £312 very bill. They secluded different treatments for varying reasons and paid £50. They are absolutely disgraceful, and I couldn't find a vet within 100 miles that would accept direct payment from them for treatment. Cancelled and much better off. After several complaints they refused to review again and were surprised I cancelled. There is absolutely no peace of mind with animal friends, you may as well burn your money