Possibly the worst pet insurance company ever in existence. They do not pay out on 100% genuine claims. Everything is such a battle and frustrating as Animal Friends cannot get their facts right. The staff are extremely unfriendly, unhelpful, with no compassion. Abysmal customer service. My adorable dog is at an age (15) where I am unable to change companies. Do not take out insurance with Animal Friends. The company name is a contradiction in itself. An absolute disgrace! Even my vets practice cannot believe the stunts they pull!