I took out their basic policy three years back. Bad move! My cat was very poorly over Easter with a viral infection and high temperature. He had to spend a couple of nights at the vets which, with a whole array of tests, meant a bill of over £1000. I foolishly assumed this was where my insurance policy would come in handy, but no. The vet's notes included a reference to gastro enteritis. As this catch all term has been used before (though without me claiming) Animal Friends turned down my claim. I pointed out that gastro enteritis is not an underlying condition, but to no avail. In effect if your cat has ever had sickness or diarrhea (and what cat hasn't) that's it. I've now cancelled my policy - why throw good money after bad? - and would strongly recommend that you look elsewhere for cover. Or put the premium money in a sock as at least that way you'll get something back!