I have been paying in to animal friends for all of my dogs life and she turns nine in May this year, last week my dog needed a minor operation to remove a growth on her arm that had started as a tiny skin tag about a year and a half ago. The operation cost 300 pounds but when it came to claiming this animal friends said that because the skin tag appeared two years ago that was when I was on my old cover and because I updated my cover it had to be within 365 of my new cover??? Bare in mind they phoned me up when I was in work one day and encouraged me to update my cover, now I wish I hadn't. I explained that 2 years ago it was a small skin tag and was not a problem, now because it has grown into a larger growth it has become a problem, I questioned why they couldn't cover this when I have been paying in to them for years and they told me it doesn't matter how long I've paid in to it, it had to be within the 365 which I still don't understand. I've cancelled my policy and feel really let down and robbed, I am seeking a better more reliable company. This company should be shut down it is just taking people's money.