I have been with Animal Friends for my former labrador and during the years all his ailments were paid for by the insurance. I have now a puppy which I immediately insured with them last May. About one month ago he had a problem with his rear leg. He had to have x rays and medication which all amounted to about 400 pounds. Submitted the claim and Animal Friends Insurance paid out within ten days the full amount minus the excess of £ 99.00 so I do not understand all these negative comments.