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.

Waiting period

Most pet insurance companies will have a waiting period between the policy start date and when your pet is covered for accidents and/or illnesses. This is to ensure coverage is for new injuries or conditions, not for problems that have already developed (pre-existing conditions).

With Animal Friends policies, you will not be covered for accidents within the first 5 days or illnesses starting within the first 14 days of your policy start date.

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