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


When do I have to pay an excess?


For all of our policies, except Max Benefit, your excess is deducted once per condition per policy year. This means that you pay your excess upon your first claim, and should the claim continue past your annual renewal you will have to pay the excess again.

Our Max Benefit policies only require you to pay an excess once per condition.

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