I HAVE BEEN WITH ANIMAL FRIENDS FOR A FEW YEARS AND EVERY CLAIM I HAVE EVER SENT IN THEY HAVE TRIED THEIR UTMOST NOT TO PAY OUT. I AM PRESENTLY ABOUT TO MAKE AN INSURANCE COMPLAINT TO THE OMBUDSMAN ABOUT THEM REGARDING THE MOST RECENT CLAIM. VERY POOR COMPANY AVOID AT ALL COSTS! 0 RATING BUT I HAVE TO PUT A MINIMUM OF 1 STAR !!