Animal Friends it would seem are not consistent in the way they treat their customers.
I never had an issue with them for 7 years, the premium went up a bit each year but that is to be expected - so we were paying £55 per month - on renewal this year they raised the premium by 400% to £221.00 per month with a 20% co-pay for good measure!
Grace had treatment in her 7th year for skin issues and the diagnosis of MVD - they said this was their reason for the increase and that if I renewed for the 8th year and made any claim they would put the premium up again - hence after 7 years we now have no insurance!
I would avoid them - they have left me with no insurance just when I really need it - and there is zero point in paying the extra for lifetime cover when they price you out like this just because you claimed and have a dog that has an ongoing condition!