If you have an elderly dog don't use Animal Friends. They're quite happy to take your money but the insurance doesn't seem to cover anything. Our dog has had two treatments in the last year one for ear trouble which wasn't covered as it was a "pre-existing condition" despite the fact that my vet provided a letter saying it wasn't. The second was for haemorrhagic gastroenteritis which wasn't covered as "all claims related to the digestive system" are excluded.

So it appears that pretty much everything she could require treatment for is not covered. Total waste of money!