ANIMAL FRIENDS INSURANCE only covers your pet 08.00 to 20.00 and never at weekends unless its life threatening. Animal friends only cover your pet at your daytime vets between 08.00 and 20.00 hours x 5 days which is only 60 hours per week They will NOT pay 'out of hours' vet care, as in Vets-Now only if your pet has a life-threatening condition as if we could tell! Male cats block and that is life threatening but I couldn't diagnose that. My pet had a rapidly worsening eye corneal ulcer and her face was swelling on the affected side and in distress, I took her to an 'out of hours' vets at 23.00hrs Sunday night & ANIMAL FRIENDS were not interested and not going to pay at all! In fact, they paid £0.39 can you believe that! So if your animal suffers from a variety of disorders requiring out of hours care, you will pay. The 'out of hours' per week is 84 hours, 12hrs x 7 nights = 84 and the weekends clock in another 24hrs = 108 hrs YOU ARE NOT COVERED. If your pet broke its legs, tail, vomiting, unwell, torn ligament or a male cat 'blocks' unable to pass urine its bladder can burst causing agony, you have to wait till opening times of your vet so your animal can suffer at weekends and every evening. while you look on. I even had to pay the £99 excess fee for no care. Swindlers I HAD ANOTHER CLAIM A FEW YEARS BACK AND YES, THE ANIMAL FRIENDS DONE THEIR UTMOST NOT TO PAY, MY VET GOT REALLY ANGRY WITH THIS AT THIS BUNCH OF NO HOPERS BY THE WAY, IT IS AN OFFENCE TO ALLOW ANY ANIMAL TO SUFFER