having paid my policy with Animal friends religiously for 8 years, my cocker spaniel had to go in for emergency tests, my policy said I was covered for £1000.00 for emergency treatment, the tests found she had a tumour and we had to have her put down, total cost £970.00 Animal friends said we were not entitled to anything as she had a wart removed 3 years previously so therefore we were not covered for warts growths tumours etc, the vet even backed us up and said the tumour was not related to the wart, even so Animal friends refused to give us a penny, they may be animal friends but they are definitely not friends of people who pay them money.