After my dog had an accident , the vets asked who I was insured with, I said animal friends, which I received disapproving looks. Worried I was! After my vet took near in 3 weeks to fill my claim form, I wasn’t expecting much from animal friends either. To my surprise text ( without chasing ) saying claim form received. 6 days later email ( again without chasing) saying claim had been paid in full. So can’t always judge by reviews, sometime companies read the reviews & improve . I have to say pleasantly surprised and impressed