And, as if by magic……
We've both our cockers insured with Animal Friends. Milly for the past six years and Chaz for the past three years.
Both are on their "Superior" lifetime policy with a £7k limit per condition, with a £99 excess, at a cost of just over £400 per year in total for both dogs.
During that time we've made two claims, one for each of them, totalling about £1700. Both claims were paid out within a few days and they even spotted a mistake (to my advantage) in our vet's arithmetic on the claim for Milly.
I've always found them to be pleasant and helpful to deal with and both the claims we've made so far have been paid out very quickly.
As with all insurance companies there'll be people who've had excellent service and people who're dissatisfied with the service they've received but I can only speak as I find and my experience of them over the past six years is very positive indeed.
Bob.