Hi Steve, I have cancelled my policies with Animal Friends, I was so disgusted with how they handled my claim for Max when he was poorly. It was an uphill battle, and by the time they deducted for this and that it was barely worthwhile. The only time they did what they were asked to do with any efficency was when I contacted them to say that we had lost Max. This is a changed company from when I first took out my policies with them. It's such a shame, as I really appreciate their ethics, but you also need to get what you pay for.