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.


A co-payment is a specified percentage of each claim that you will need to pay in addition to the excess and will be deducted from your policy’s limit.

For our policies, co-payments will start from when your dog turns 8 or your cat turns 10 years old.

Just like people, as your pet ages the chance of it needing medical treatment increases, meaning you’re more likely to claim on your policy. This means that your premiums may increase as your pet ages.

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