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.

Commencement date

This is the start date of your insurance policy. You are able to select a date up to 30 days in advance for your policy to start. You will not be covered for accidents within the first 5 days, or illnesses within the first 14 days of your policy start date (if your policy covers illness as well as accidents).

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