Be very very careful of the small print. Our dog had to be put down due to old age. Let me be clear that no amount of money could replace her. We didn’t go to town on the services on offer from the vet and the total cost of euthanasia and cremation came to £491. We submitted a claim and after all the deductions and exclusions Animal Friends pay me £11 back. I paid £50 a month in premiums and, while I appreciate the company isn’t a charity, this seems poor return. It’s an emotional time and it feels kick being kicked when low.