Had to take one of our three dogs to the emergency vet at 2am a few weeks ago. The dogs are covered by Animal Friends Pet insurance so got a claim form and was hoping to get some of the ,£220 back. Got a letter back to saying because we took the dog to an emergency vet during out of hours , we won't be getting a penny. Policy says not allowed to take pets to emergency out of hours vet. At 2 am in the morning I wasn't going to look at the policy booklet. Tomorrow morning will cancel all the dogs insurance. Check policy before buying or before your pet gets ill.