Insured my older dog with them for the last years of his life - unlike many insurance companies they accepted him for cover at the age of (I think) 11 years. Made a few claims with them, including the final one when I lost him last year. With each claim found the settlement to be fair and prompt. No increase in renewal premiums (was paying under £25 p/m for dog of 16 on one of their top policies) which I think is very fair. There is a % contribution as well as an excess so worth doing some sums before committing to get a prediction of what a sample average claim of about £500 might cost. Very happy with my dealings with Animal Friends. Please remember that it is very important to read the policy booklet with particular attention to the exclusions for vet fees on any insurance policy before making a commitment to avoid disappointment at claim stage.