Animal friends refused to pay out when my beautiful Molly was diagnosed with pancreatitis and passed away suddenly while in the care of the vet. They said that because I'd taken Molly to the vet 11 months previously with diarrhea, that she had a pre-existing condition, despite the fact that she hadn't been diagnosed. I have since found out from my vet that this company is well known for not paying out claims. I have now cancelled the other two policies that I held with them for my other dogs. Don't make the same mistake as me.