Here to support you and your pets - business as usual at Animal Friends. To help us minimise any impact for our customers, we ask that you avoid where possible sending claims to us via post during this time unless absolutely necessary. Pawtal, our online claims system for vets, is still the fastest way to process a claim. Please speak to your vet to submit the claim at

Pet insurance made easy - Glossary

Our glossary will help you to understand some of the commonly used phrases within pet insurance.

Annual condition limit

For Lifetime policies, this is the amount available per condition each year. On our Lifetime policies, this limit refreshes at renewal year after year, as long as you have the policy with us.

For Time Limited policies, this is the amount available per condition. On our Time Limited policies, we will provide cover for 365 days from the condition onset, or up to the condition limit, whichever is reached first.

For Max Benefit policies an Annual Condition Limit doesn’t apply. We will provide cover for each condition until the Lifetime Condition Limit is reached.

Check out our full glossary to make pet insurance easier to understand.