I wish I could give this zero stars. My cat was injured with a 4inch wide open wound going right across his neck. This happened on a Saturday night, so I was forced to take him to an OOH emergency vet. Upon putting the claim in they have refused to pay this portion of the fees as 'it wasn't life threatening' My vet has written then a letter stating is was essential to visit the vets that evening as Max would have been suffering immensely and if left til Monday could have had serious complications. However they continue to contest and I've had to pay this out myself. I'm not exactly sure how I was supposed to know that he wasn't going to die from this neck wound🤔 So in summary, if you want your emergency treatment paid for DO NOT choose animal friends!