Awarded Defaqto Pet Insurer of the Year 2024/25
Free 24/7 vet video
consultations for
your cat
Over 25 years as pet
insurance experts
Your vet can claim online
on your behalf
94% of online vet fee
claims processed within
5 working days*
*94.36% of Pawtal claims were processed within 5 working days. Claims received Jul-Dec 2024.
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Multi-award winning pet insurance
Our Policies
We have 5 types of cat insurance policies, including two options for Lifetime, each with different levels of cover for the cost of vet fees.
Lifetime Annual Limit
- Choose vet fee cover from £1,000 to £18,000 per year.
- Claim up to a set amount for vet fees each policy year.
- Claim for as many conditions as you need to each policy year, as long as you stay within your vet fee limit.
- You can claim year after year for any accident or illness your cat may suffer from, so long as you renew your policy
- Get cover for dental illness or accident (up to £3,000) with our Lifetime £10,000 & £18,000 policies. Or cover for dental accidents with our Lifetime £5,000 policy. Policy terms & conditions apply.
Lifetime Condition Limit
- Choose vet fee cover from £1,000 to £6,000 per condition, each year.
- Claim up to a set amount for vet fees per policy year for each condition your cat might have.
- You can claim year after year for any accident or illness your cat may suffer from, so long as you renew your policy
- We’ll cover your cat's conditions for as long as you have a policy with us.
- Get cover for dental accidents with our Prestige policy. Policy terms & conditions apply.
- Choose vet fee cover from £1,000 to £4,000 per condition.
- You can claim for as many different conditions as you need to, up to your chosen vet fee limit.
- There is no time limit for how long you can claim for each condition - as long as you renew with us each year.
- Once you reach the limit for a condition, you won’t be able to make a claim for it again.
- Choose vet fee cover from £1,000 to £4,000 per condition.
- You can claim for each accident or illness for up to 12 months from the date your cat first showed signs or symptoms of the condition, as long as you renew your policy.
- Once the 12 months or your vet fee limit has been reached, you won’t be able to claim for that condition again.
- Each level of cover has an annual limit – this is the most you can claim in one policy year.
- Vet fee cover up to £2,500 for each accident.
- The £2,500 limit applies to each accident your cat might have, and there’s no limit to the number of accidents you can claim for.
- Each accident also has a lifetime limit of £15,000 – as long as you renew your policy. So, you can make claims over multiple years if your cat needs long-term treatment for their injuries – up to the £2,500 annual limit.
- You won’t be covered for any illnesses or diseases they might have or any other benefits such as Public Liability.
Pet insurance premiums increase as your pet gets older. We use a number of things to work out your price each year. These include the age of the pet, where you live and the cost of vet fees. Excesses apply to all our policies and a co-payment is currently payable on claims if you renew your policy after your cat turns 10 years old.
Why choose Animal Friends?
With over 25 years' experience, more than £9 million donated to support animal welfare, and over one million pets covered, customers choose Animal Friends for:
- Affordable, award-winning cover to suit you and your pet
- Free vet video calls 24/7/365 through the Joii app for dog and cat customers
- Every policy bought helps support animal charities and conservancies around the world
- Fuss-free claiming. Vets can claim on your behalf
- Expert advice and guides for you and your pet.
Need some help?
Check out our FAQS and Pet insurance terms explained to help you understand more about pet insurance.
