My vets will no longer do a direct claim with Animal Friends because they say they are so bad to deal with and apparently owe my vets over £150k in unsettled claims. This means I had to pay up front for recent treatment and then try to claim it back myself. However that claim has now been declined because my dog had an anal gland infection in the first 14 days of her policy over two years ago which wasn't covered as it was in those fourteen days and even though she hasn't had another one for two years they have now refused to pay out on a recent anal infection because they say it's linked to the one from two years ago !!!, AND they have now applied an exclusion to the policy for her entire anal and perianal area which they are back dating to the start of my policy over two years ago !, Basically they wouldn't let me claim two years ago because it was within the first 14 days of the policy and now they won't pay the current claim based on something they wouldn't pay out on two years ago !, How can they argue that it's a long term condition when there has been a period of over two years without any problems between the infections and no clear indication that there is any relation between the two. Also, check the policy small print because exclusions are multiple including absolutly anything to do with the mouth area which means anything they can even loosely link to a dental problem no matter how loose or non-existant the connection. I'm paying a premium of £130 per month plus excess and 20% of any treatment costs for an eight year old pedigree dog and in reality probably only 10% of her body is actually covered by this terrible company. Please read other reviews on here and elsewhere because there are huge numbers of people having similar issues. The reality is that I've now got to try and find £4500 which I don't have and that's why I was paying the exorbitant premiums in the first place !