Animal Friends: Pet Insurance Experts

Accident Only Policy Booklet Accident Only

Accident Only Policy Booklet

Thank you for joining Animal Friends. You and your pet are now helping to support charities like The Shark Trust whose mission is to safeguard the future of sharks around the world through positive change!

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Welcome

Hello and welcome to the Animal Friends family. We wish you and your pet a happy and healthy year.

By choosing to join us, you’re not only protecting your pet in their times of need, you’re also part of something much more! Your policy is helping animals across the world get the care and support they need when there’s no one else to keep them safe.

Our vision is to create a better life for every animal. Since 1998, we’ve given support and vital funds to welfare charities across the world, helping to protect some of the most vulnerable animals at home and in the wild.

We believe it’s our commitment and love for all animals that make us an award-winning insurer. But it’s our passion, courage and kindness that drive us to continually improve our services by putting our customers and their pets at the heart of everything we do.

This booklet tells you what you and your pet are covered for, as well as what isn’t covered. Please read through it carefully. It should answer any questions you have about your insurance. If you’re still unsure about anything, or if something doesn’t look right, please contact us on 0344 557 0300.

Wishing you all the best,

Wes' signature

Wes Pearson

How to use this booklet

This booklet tells you everything you need to know about your policy. Along with a document called Your Schedule it makes up the agreement between you and us, so make sure you keep it safe. If you need a copy in large print or braille, please let us know.

When reading this booklet, please remember the following things.

Our policies only cover people that live in the UK. When we say ‘UK’ in this booklet, we mean England, Scotland, Wales, Northern Ireland, the Isle of Man, Channel Islands and UK Ministry of Defence bases overseas.

This policy is administered by Animal Friends and underwritten by Red Sands Insurance Company (Europe) Ltd. Red Sands pays a commission to Animal Friends to sell insurance on its behalf. When we say ‘we’, ‘our’ or ‘us’ in this booklet, we mean Red Sands. Red Sands Insurance Company (Europe) Limited is registered in Gibraltar (Incorporation No: 87598). Registered office: Level 3 Ocean Village Business Centre, 23 Ocean Village Promenade, Gibraltar. Red Sands Insurance Company (Europe) Limited is authorised and regulated by the Gibraltar Financial Services Commission and is subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority in respect of business underwritten in the UK (Financial Services Register No: 231635). Red Sands Insurance Company (Europe) Limited is a member of the UK’s Financial Services Compensation Scheme and Association of British Insurers.

When we say ‘you’ or ‘your’, we mean the person named on the schedule.

When we say ‘immediate family’, we mean your spouse, sibling, parent, child or stepchild. It also includes civil partners and any other partner that has lived with you permanently for at least two years.

This policy is governed by English Law. All communications will be made in English.

Contact details

You can contact Animal Friends for support in the following ways.

By phone

0344 557 0300

Please check our website for opening hours.

If you call us from a landline, you’ll be charged the standard rate. Calls from mobiles vary depending on your plan. For example, if your plan includes unlimited minutes, your call from a mobile will be free.

By email

If you have a general enquiry, you can reach us at:

If you need to get in touch with a specific department, you can find a full list of email addresses on our Contact Us page at:

www.animalfriends.co.uk/contact-us

By post

Animal Friends House
1 The Crescent
Sun Rise Way
Amesbury
Wiltshire
SP4 7QA

How this policy works

This booklet details everything your pet is covered for under this policy. Some things aren’t covered, so it’s important you read through your documents to check you have the cover you need. There’s a list of exclusions in the 'What this policy doesn't cover' section. These apply to the whole of your policy. There are also some additional exclusions that only apply to certain sections of cover. You should also check your schedule to see if there are any other exclusions that apply to you personally. You’ll find detailed descriptions of your cover for each section under the heading 'What this policy covers'.

Your policy

You’ve chosen our Accident Only policy, which aims to protect your pet if they have an accident. It doesn’t cover you for any illnesses or diseases they might have. If your pet has an accident, the policy offers £2,500 per year towards the cost of treating their injuries resulting from that accident.

The £2,500 limit applies to each accident your pet might have, and there’s no limit to the number of accidents you can claim for. So even if your pet is particularly accident prone, your policy should still protect them.

Each accident also has a lifetime limit of £15,000 – as long as you renew your policy. So you can keep making claims over multiple years of continuous cover if your pet needs long-term treatment for their injuries – as long as you don’t go over the £2,500 annual limit.

When we say ‘condition’, we mean any injury with a single cause or diagnosis. For example, if your pet has an accident, we’ll class any injuries they suffer as one condition – even if they’re in different parts of the body.

Every time you make a claim for a new condition, you’ll need to pay an excess to help cover the cost of treatment. For more information on excesses see the ‘Your excess’ part of the 'What this policy doesn't cover' section. You can find out how much excess you’ll need to pay in your schedule.

When this policy starts and ends

Your policy starts from the day you chose it to, but there’s a waiting period before you can start making some kinds of claims. We don’t cover accidents or injuries that happen within the first 2 days of your policy start date. For example, if your cover starts on the 1st, you won’t be covered for any accidents or injuries that happen before the 3rd.

A condition starts from the date the accident happened – not when you take your pet to the vet. So even if you wait until after the waiting period to get your pet treated, you still won’t be covered.

Several things might end this policy. For example, if either of us decide not to renew your policy for any reason. It will end if your pet dies, is lost or is stolen. You may also decide to cancel your policy. We can cancel it too – for example, if you don’t pay your premium. For more information about cancelling your policy, see the 'Cancelling your policy' section.

Changing your level of cover

If you want to change your level of cover, you should get in touch with us. If your pet already has a condition, and you switch to a policy with a higher limit, we’ll cover valid claims for this condition at your previous, lower limit. This is true even if you haven’t yet made a claim. If you switch to a policy with a lower limit, your new policy limit will apply to all claims.

Pre-existing conditions

Pre-existing conditions aren’t covered by this policy. We consider a condition to be pre-existing if your pet showed any signs or symptoms of it before your cover start date, whether they needed treatment previously or not.

Any injuries caused by accidents your pet had before you took out this policy will also be considered pre-existing conditions. This includes any complications or conditions that later appear because of the accident.

If your pet had an accident and you noticed something was wrong before you took out the policy, it could be a sign of a pre-existing condition. This is true even if you decided not to take them to the vet. For example, if they were hit by a car before the policy started, and were later diagnosed with a broken bone, we’d consider this to be a pre-existing condition.

We can start covering some conditions again if they haven’t needed – or been recommended to have – treatment from you or the vet in the last 24 months. If a vet says a condition does need treatment during this time, and you delay getting it, we won’t cover that condition. We don’t cover any pre-existing chronic conditions; for example, diabetes, arthritis and epilepsy.

Remember, the 2-day waiting period at the start of this policy means we’ll consider injuries from accidents that happen during this time period as pre-existing conditions.

Conditions that affect both sides of the body

We count injuries in both sides of the body as one condition. This is called a ‘bilateral condition’. Bilateral conditions usually appear in places your pet has more than one of, such as ears, eyes and elbows.

For example, if your pet scratches their left eye in an accident and later scratches the other eye, we’d consider this to be the same condition. This means the amount shown in your schedule is the most we’ll pay to cover treatment in both eyes.

Remember, we don’t cover pre-existing conditions. So if your pet scratched their eye before you took out this policy, you won’t be covered if they later scratch the other eye.

Left Dog Right
Left Cat Right

Amounts you might have to pay

Your premium

The premium is the amount you pay us so we can provide you with insurance for your pet. You can decide to pay one amount annually or in monthly instalments. You must make sure to keep up with all your payments. If you don’t, we won’t be able to cover you if you want to make a claim.

Your excess

The excess is the amount you’ll need to pay towards a claim. You’ll need to pay one vet fees excess per accident per policy year. If your pet is injured in a new accident, this will start a new claim and you’ll have to pay the excess. If they need more treatment because of the accident, we’ll treat this under the same claim. You won’t need to pay the excess again in that policy year.

If you claim for the same condition over more than one policy year, you’ll have to pay the excess once per year. For example, if your pet needs painkillers for their injuries, you’ll have to pay the vet fees excess shown in your schedule when you make a claim. If they need more painkillers in that policy year, you won’t have to pay another excess. But if they need more after you renew your policy, you’ll have to pay the vet fees excess again.

Sharing the cost of the vet bill

As your pet gets older, you’ll also have to start paying a percentage of the vet fees when you make a claim. This is because older pets may be more likely to get injured or to become ill. These are known as ‘co-payments’.

We start applying co-payments at 8 years old for dogs and 10 years old for cats. We’ll automatically apply co-payments on the first renewal after your pet’s birthday. For example, if your dog turns 8 in January, and the policy renews in July, we’ll apply co-payments after the July renewal. Check your schedule to see if a co-payment applies to your policy.

Co-payments count towards your cover limit. For example, if your cover limit is £2,500, with a 20% co-payment, the most you’ll be able to claim is £2,000.

Looking after your pet

It’s important you look after your pet’s health – we might not be able to pay some claims if you don’t. You must follow any advice given to you by a vet, and arrange and pay for treatment to help lower the risk of injury. If they need treatment, you need to make sure your vet is a current member of the Royal College of Vet Surgeons. If they’re not, you might find you’re not covered.

Your pet’s health

It’s really important you vaccinate your pet to protect them from harmful diseases. If you have a dog, you must make sure they’re vaccinated against distemper, hepatitis, leptospirosis, parvovirus and kennel cough. If you have a cat, you must make sure they’re vaccinated against feline infectious enteritis, feline leukaemia and cat flu. If a vet recommends any other vaccinations, you must agree to those as well. It’s important all your pet’s vaccinations are kept up to date.

You must also regularly worm your pet by following an anti-worming programme and product that’s been recommended or prescribed by a vet. We don’t cover herbal worming products or any complications that result from using them.

Your pet’s safety

This policy is designed to cover you for things that happen to your pet that couldn’t have been prevented or predicted. It’s your responsibility as their owner to keep them as safe as possible. You must follow advice given to you by your vet, trainers and the authorities. For example, if the police or a vet tell you to muzzle your dog, you must do this to keep them and others safe.

If you have a dog, you must always keep them under your control. They must be on a lead with a collar or harness anywhere there could be moving vehicles. For example, on a driveway, in car parks or next to roads, including those on private land.

All collars, leads or harnesses need to fit properly and be kept in good condition. Make sure to firmly hold your lead, so it doesn’t slip out of your hand if your dog pulls away from you suddenly.

You need to make sure your home, garden, and any other places your pet visits are secure. You should take steps to stop your pet from escaping, especially when opening doors. If you take your pet in a vehicle, you must use a lead, harness, cage or crate to restrain them. This is particularly important when getting in and out anywhere near a road.

You must make sure your pet is microchipped in line with UK law and that the information on it is kept up to date.

It’s your responsibility to keep your pet safe. If you don’t, you may find you’re not covered when you try to make a claim.

Renewing your policy

If you pay monthly – or pay annually and have opted into auto-renewal – you won’t need to do anything; your policy will automatically renew for another year. If you paid upfront for a year and haven’t opted for auto-renewal, you’ll need to get in touch with us to renew for another year.

0344 557 0300

Animal Friends will send your renewal documents approximately three weeks before your policy is due to end. You should read these documents carefully. We might change some of your terms or the price you pay, so you’ll need to check you still have the cover you need.

Several things affect the price you pay when you renew, including your pet’s age, their medical history and previous claims.

Giving us the facts

It’s really important you give us accurate information at all times. If you notice any information isn’t right, or if your circumstances change, you should tell us straight away.

We might not be able to pay a claim if you don’t tell us the truth, or if you mislead us or exaggerate a claim. We may also cancel your policy without giving you a refund, and in some cases have to tell the police or other authorities.

If you give us wrong information by mistake, you might not be able to make a claim or we might need to void your policy. If we do this, we’ll act like your policy never existed and give you back any premiums you’ve paid. We might need to also apply extra exclusions, or change your cover, the premium you pay or the terms of this policy.

Keeping up to date with your payments

It’s important you keep up to date with your premium. If you’re struggling with your payments, please get in touch and let us know. We won’t be able to cover claims if you have any unpaid premiums.

How to make a claim

We understand making a claim can be a stressful time, that’s why we’ve made it as easy as possible for you. You can make a claim with us in the following ways:

Online through your vet

The quickest and easiest way to make a claim is through your vet, if they have access to the Animal Friends online claims system, Pawtal. If they do, they can make a claim directly, so you won’t need to fill in any forms. Your vet can track your claim this way as well.

Using a claim form

If your vet doesn’t have Pawtal, you’ll both need to fill out a claim form and send it back so we can process your claim.

Getting a claim form

You can download claim forms from www.animalfriends.co.uk/existing-customers/make-claim – or give Animal Friends a call and they’ll send you one in the post.

0344 557 0300

Sending your claim form

Once you and your vet have completed the claim form, you can send it by email to claimform@animalfriends.co.uk. If you prefer, you can post the claim form to this address:

Animal Friends
Animal Friends House
1 The Crescent
Sun Rise Way
Amesbury
Wiltshire
SP4 7QA

To make sure we can handle your claim as quickly as possible, please send all claim forms within 90 days of your pet receiving treatment.

If your vet offers a discount for paying their fees quickly, we’ll only cover the discounted amount. We’ll do this even if you have to pay a higher amount because you didn’t pay quickly enough.

If your vet fees are going to be high

The quickest way to check if the treatment will be covered is to ask your vet to check through the Animal Friends online claims system – Pawtal.

If your vet doesn’t use Pawtal and the treatment will cost more than £1,000, you can give Animal Friends a call on 0344 557 0300. This will give you the chance to find out whether you’ll be covered before agreeing to the treatment. Be aware, it could take up to 5 working days to get an answer this way.

If there’s any other insurance policy that might cover an incident or claim, the other insurer must be told and you must let us know their details. We don’t cover anything that’s insured under any other policy.

What this policy covers

Vet fees

What's covered

If your pet needs medical care after an accident

If your pet is injured in an accident, we’ll cover vet fees up to the amount shown in your schedule. Make sure you keep your receipts and invoices safe, as you’ll need to show them to us when you make a claim.

We only cover vet fees in the UK.

To help us handle your claim as quickly as possible, we ask that you make your claim within 90 days from when your pet had the treatment.

We limit some vet fees at the market average cost. For a list of these limits, see the ‘Important information on vet fee claims limits’ document in your welcome or renewal pack.

Sometimes people choose to buy medication from a pharmacy or online instead of from their vet. If you do this, we’ll cover some of the cost of your vet writing the prescription as well as the medication.

We’ll only cover house calls, out-of-hours fees, or emergency fees if your vet says your pet needs to be seen straight away.

If you’re worried about your pet’s condition, you can check their symptoms with the Joii app. It’s available 24/7, 365 days a year, so you’ll be able to use it when your vet is closed. It connects you with qualified vets and registered vet nurses to help diagnose the problem without paying an out-of-hours fee. If you think your pet’s condition is urgent or life threatening please contact your usual vet straight away. For more information see:

www.animalfriends.co.uk/joii

If your pet has an injury in one part of their body that they’ve previously had in another part of their body, we’ll class it as one condition. This is called a ‘bilateral condition’, and both cases will be covered under the same limit. For more information about bilateral conditions please see the ‘Conditions that affect both sides of the body’ part of the How this policy works section.

Complementary treatment

We’ll pay up to £500 for complementary treatments, as long as they’re recommended by a vet to treat your pet’s injuries after an accident. The £500 limit counts towards your overall vet fees limit. Some of the complementary treatments we cover include physiotherapy, osteopathy and laser therapy. We’ll only cover complementary treatments that are performed by a qualified specialist. For a full list of treatments and specialists we cover, see:

www.animalfriends.co.uk/therapy

Tests needed to diagnose a condition

We’ll pay for tests when they’re needed to investigate or diagnose a condition covered by this policy, such as x-rays, ultrasounds and MRI and CT scans. We don’t cover routine, elective or preventative tests, for example a blood test carried out before performing surgery.

If a test shows your pet is suffering from a condition not covered by this policy, we won’t cover the cost of the test.

If your pet is put to sleep

We’ll cover the cost of putting your pet to sleep, up to £100, if they’re injured in an accident covered by this policy. We’ll only do this if it’s needed to prevent suffering. This must be confirmed in your vet’s notes. The £100 limit counts towards your overall vet fees limit.

What's not covered

Illnesses or conditions not caused by an accident

This policy only covers accidents, so we won’t cover any claim for any illnesses.

Claims at the beginning of your policy

We don’t cover any accidents or injury that happens within the first 2 days of your policy start date.

Conditions we don’t cover

We don’t cover pre-existing conditions. We consider a condition to be pre-existing if your pet showed any signs or symptoms of it before your cover start date, whether they needed treatment previously or not. For more information about pre-existing conditions, see the ‘Pre-existing conditions’ part of the How this policy works section.

We also don’t cover any cruciate ligament damage.

Treatments we don’t cover

We don’t cover any routine, preventative, elective or cosmetic treatment, even when it’s recommended by a vet to prevent an illness or injury. For example, this includes the cost of grooming, vaccinations, neutering, or flea/worm treatment. We also don’t cover any complications that arise from these treatments, unless it’s for flea or wormer treatment that has been recommended or prescribed by a vet. We don’t cover costs resulting from not having routine, preventative, elective or cosmetic treatment recommended by a vet to prevent an injury or illness.

We also don’t cover the cost of any treatments, training or therapy if your pet has a behavioural problem.

You won’t be covered for any treatment as a result of breeding, pregnancy or giving birth, including the cost of emergency c-sections.

If your pet suffers complications from using unlicensed medication, we won’t cover this.

We don’t cover stem cell or gene therapy. We also don’t cover any form of transplant, including organ transplants, Platelet-rich-plasma (PRP) and Osteochondral Autograft Transfer System (OATS), or any complications that result from these.

We don’t cover any claims for prosthetic limbs. This includes the cost of the prosthetic, consultations and procedures, or any complications or rehabilitation your pet might need afterwards.

We don’t cover claims caused by your pet being a blood donor, including any complications that appear as a result.

We don’t cover any dental or gum treatments or conditions, even if it’s needed after an accident. This includes the cost of any tests that lead to a dental or gum problem being diagnosed.

Other things we don’t cover

We don’t cover the cost of transporting your pet to another vet or hospital for treatment. This includes the cost of an ambulance.

We don’t cover pet bedding and blankets, including incontinence sheets or kennel liners, even if they’ve been recommended by a vet.

We’ll cover the cost of one buster collar for every condition your pet has, but any additional buster collars won’t be covered. We won’t cover any other items used to stop your pet from causing themselves more harm. This includes mikki boots and pet t-shirts.

We also don’t cover leads or harnesses.

We also won’t cover the cost of any food.

We don’t cover any admin fees your vet may charge, including the cost of any postage and packaging. This includes fees for filling in any form, giving us information about your pet’s medical history or referring them to another vet.

We also won’t cover any fee your vet charges to admit your pet to hospital. The cost of keeping them in hospital will be covered.

We won’t cover any cremation or burial costs if your pet dies or is put to sleep. This includes the cost of coffins and caskets.

What this policy doesn’t cover

There are some things we won’t cover under any part of this policy. We’ve listed these below.

Illnesses or conditions not caused by an accident

This policy only covers accidents, so we won’t cover any claim for any illnesses.

Claims at the beginning of your policy

We don’t cover any accident or injury that happens within the first 2 days of your policy start date.

Pre-existing conditions

We don’t cover pre-existing conditions. We consider a condition to be pre-existing if your pet showed any signs or symptoms of it before your cover start date, whether they needed treatment previously or not. For more information about pre-existing conditions, see the ‘Pre-existing conditions’ part of the How this policy works section.

Pandemics

We won’t cover any claims that result from any pandemic. We also won’t cover things that happen as a result of the threat or fear of a pandemic. This includes anything that’s done to control it. For example, if the authorities order everyone to quarantine their dogs.

We also won’t cover claims resulting from any disease passed from animals to humans."

Pets that aren’t covered

We don’t cover puppies or kittens younger than approximately three weeks old.

We don’t cover any pets used as or trained to be anything other than a domestic or household pet. This includes using them for breeding, hunting or shooting of any kind.

We don’t cover any dog breeds or types – including dogs crossed or mixed with these – that have been banned by the government. These currently are:

  • Pit Bull Terrier
  • Japanese Tosa / Tosa Inus
  • Dogo Argentino (also referred to as Argentine Dogo and Argentinian Mastiff)
  • Fila Brasileiro

There are also some other breeds, including pets crossed or mixed with those breeds, that we don’t cover. You can see the full list, or give us a call:

0344 557 0300

We won’t pay claims if we find evidence your pet has been crossed or mixed with any of these breeds, even if you didn’t know. We may also need to cancel the policy.

Crime

We won’t cover claims that result from you breaking the law. This covers laws and regulation from both central and local government, and both present and future. Likewise, we won’t cover claims that are fraudulent. It’s important you always tell us the truth.

We also won’t pay for claims for any fines or penalties that you’re responsible for.

Wars, riots and terrorism

We won’t pay claims for anything caused by acts of terrorism. We also won’t cover claims relating to war, riots or revolution.

Other things we don’t cover

We won’t cover incidents of your pet straying, escaping, or attacking people if they’ve been involved in a similar incident in the past.

We won’t cover any claims caused by any aircraft, such as planes, helicopters, hot air balloons or drones.

We won’t cover claims caused by radiation or contamination from any nuclear explosions or fallout.

We don’t cover anything that’s insured under other insurance policies. This could include travel insurance, or insurance that covers licensed pet minders or professional dog walkers.

We don’t cover any fees or interest you might be charged by credit cards, loans or other finance plans.

Making changes to this policy

It’s important you tell Animal Friends if your circumstances change, as this might affect your cover.

If any of the following things change, let us know straight away by calling 0344 557 0300.

  • You or your pet move to a new home.
  • The pet’s owner changes.
  • Your pet develops any behaviour problems or their temperament changes. For example, if they are being aggressive or attack, bite or injure a person or another animal.
  • You’ve been told by the authorities – or advised by a vet, behaviourist or trainer – that your dog needs to wear a muzzle.
  • You plan to use your pet for breeding, working, farm work or hunting.
  • Anyone makes a complaint about your pet.

It may make this insurance policy invalid if you don’t let Animal Friends know about of any of these changes. If any of your circumstances change, we may need to change the terms or price of your policy.

If we need to make changes to this policy

We might sometimes need to make changes to your policy by adding or removing cover. If we make any changes to your policy, we’ll always give you at least 14 days’ notice.

Cancelling your policy

You can cancel your policy at any time by calling or writing to us.

If you pay monthly and cancel your policy, we won’t take any more Direct Debits. If you pay annually, we’ll refund the cost of the remaining full months’ premiums.

You can contact us in the following ways:

By phone

0344 557 0300

By email

info@animalfriends.co.uk

By post

Animal Friends House
1 The Crescent
Sun Rise Way
Amesbury
Wiltshire
SP4 7QA

Cancelling within 14 days

We’ll give a full refund if you cancel this policy within 14 days of the start date. We won’t be able to do this if we paid a claim in this period.

Cancelling after 14 days

If you cancel after this 14-day period – and you pay for your policy annually – we’ll refund you for any time remaining. We won’t be able to do this if we’ve already paid a claim in the current policy year. We may charge a small admin fee to cover our costs.

When we might cancel your policy

We can cancel your policy at any time if you don’t follow the terms and conditions in this booklet. If we do, we’ll refund you for any time left on your policy, as long as you’re due more than £5. We won’t give back any money if we’ve paid a claim in that policy year.

We may cancel your policy if you don’t keep up with your payments, but we’ll always write to you first. If we don’t hear from you, we’ll cancel the policy one month from the date we last received a payment. We may be able to reinstate the policy if you pay within 28 days.

How to make a complaint

We hope you’re happy with your cover and our service, but if you’re unhappy about something we’d like to try to put things right.

If you want to make a complaint you can contact Animal Friends in the following ways:

By phone

0344 557 0300

By email

complaints@animalfriends.co.uk

By post

Complaints Department
Animal Friends House
1 The Crescent
Sun Rise Way
Amesbury
Wiltshire
SP4 7QA

If you’re not happy with our response

If you’re not happy with how we handled your complaint after receiving our ‘Final Response Letter’, you can contact the Financial Ombudsman Service (FOS).

The FOS is an independent complaints service that’s free to use. You can find out more about them and how to complain at:

www.financial-ombudsman.org.uk

You can also contact them in the following ways:

By phone

0800 023 4567

By email

By post

The Financial Ombudsman Service
Exchange Tower
Harbour Exchange Square
London
E14 9SR

You can also choose to take your claim to court. This policy is governed by English law. All communication will be made in English.

The Financial Services Compensation Scheme (FSCS)

We’re covered by the Financial Services Compensation Scheme (FSCS). This means that in the unlikely event we go out of business, the FSCS may be able to pay your claim.

You can find out more about the FSCS at www.fscs.org.uk, or by calling 0800 678 1100.

How we use your personal information

When you apply for one of our policies, Animal Friends and Red Sands collect and store the information you give them. This includes your name, address and contact details. It may also include sensitive data such as information about your health. We’ll always do this securely and safely and follow all relevant laws.

We might share your details with other organisations if we need to. For example, if we’re handling a complaint or legal liability claim.

You can see the full Animal Friends privacy policy at:

www.animalfriends.co.uk/privacy-policy

You can see the Red Sands privacy policy at:

www.redsands.gi/privacy-policy

If you want to receive more information from us

If you’d like information about looking after your pet, charity updates or information about new products and services, you can tell us by logging into your account. You can also email Animal Friends at:

Any questions? Get in touch