Our dog was insured with AF for several years but had a bad year with a troublesome paw infection and needed a stay at the vets with pancreatitis. Although it was difficult to check (their statements group stuff together in a way I still don't understand) they paid out what was due and pretty quickly. I think it helps if your vet's admin staff are on the ball.
However, since he's nine now, they have doubled the premium if we want to renew so it's not all good.
Labrador Retriever (Chocolate)