Award-winning dog insurance

Lifetime insurance offers ongoing vet fee cover for accidents and illnesses and can protect your dog for life, as long as you renew. 

There are two types of cover available: 

Lifetime Annual Limit 

• You can choose cover from £1,000 to £18,000 each year for vet fees.
• You can claim for as many conditions as you need to, as long as you stay within your chosen annual vet fee limit.
• The limit resets every year when you renew.
• Your dog’s conditions will be covered for life, as long as you renew your policy.
• Dental accident & dental illness cover up to £3,000 with our Lifetime £10,000 and Lifetime £18,000 policies
• Dental accident & dental illness cover up to £1,000 with our Lifetime £4,000 and Lifetime £5,000 policies.
• Dental accident cover up to £750 with our Lifetime £2,000 and Lifetime £3,000 policies.
• Complementary therapy from £500 to £3,000, depending on your chosen policy. 

Lifetime Condition Limit 

• You can choose cover of £1,000, £2,000, £4,000 or £6,000 each year for vet fees.
• You can claim up to your chosen amount for vet fees per policy year for each condition your dog might have.
• The limit resets every year when you renew.
• Your dog’s conditions are covered for life, as long as you renew your policy.
• Dental accident cover up to £750 with our Superior policy.
• Dental accident & dental illness cover up to £1,000 with our Superior Plus and Prestige policies.   
• Complementary therapy from £500 to £1,000, depending on your chosen policy. 

Policy terms and conditions apply. 

See Lifetime details

With Max Benefit pet insurance, you have a fixed amount of cover for each accident or illness you may need to claim for. You can keep claiming until the fix amount of cover has been reached.

• You can choose a fixed amount of vet fee cover for each accident or illness you may need to claim for.
• You can keep claiming until the fixed amount of cover for the accident or illness is reached.
• There’s no time limit for how long you can claim for each accident or illness. After the vet fee limit is reached, we won't cover the accident or illness again.
• Dental accident cover up to £750 with a Max Plus policy.
• Dental accident & dental illness cover up to £1,000 with a Max Extra policy.
• Complementary therapy between £500 and £1,000, depending on your policy. 

  Policy terms and conditions apply. 

See Max Benefit details

Time Limited dog insurance provides cover for accidents and illnesses for up to 12 months. 

• Each new condition is covered for up to 12 months, or until your vet fee limit has been reached, whichever happens first (as long as you renew your policy).
• The 12 months start from the date your dog first showed signs of the condition.
• If your vet agreed that you could monitor the condition without treatment, the 12 months starts from the date your vet recommended you start treatment for your pet’s condition.
• After 12 months, or when the vet fee limit is reached, we won’t cover the accident or illness again.
• Time Limited policies also have an annual limit - this is the most we'll pay each year for all conditions you may need to claim for.
• Dental accident cover up to £750 with a Prime policy.
• Dental accident & dental illness cover up to £1,000 with a Prime Plus policy.
• Complementary therapy between £500 and £1,000, depending on your specific policy. 

Policy terms and conditions apply. 

See Time Limited details

With our Accident Only dog insurance, you’re covered up to £2,500 per year for each accident your dog may have. 

• There’s no limit to how many accidents you can claim for each year.
• For each accident, we’ll cover treatment costs for as long as your dog needs care (as long as you renew your policy each year), up to a lifetime limit of £15,000.
• This cover is only for accidents. It doesn’t cover illnesses or diseases.
• Dental accident cover up to £500.
• Complementary therapy up to £500 for each accident. 

Policy terms and conditions apply. 

See Accident Only details

Dog insurance helps you to cover the cost of veterinary treatment if your dog gets injured or falls ill. It can also have additional benefits such as cover if your dog dies or is put to sleep (if you paid for them) or if they injure someone or damage their property.

It is important to choose a dog insurance policy that best suits your needs now and in the future. We have policies that can provide cover for accidents and illnesses. If you would like to cover your dog for long-term conditions which will need treatment year after year, such as diabetes, then you may prefer a Lifetime policy. If you have a smaller budget then you may choose to have cover for accidents only or for illness that will not last more than 12 months.

Find out which policy meets your needs by completing an online quote.

Get a quote

The cost of dog insurance can vary widely depending on several factors, including your dog’s breed, age, location, any claims history and the level of cover you choose. The price of dog insurance is influenced by the following factors: 

• Breed: Some dog breeds, especially brachycephalic (flat faced) breeds or those prone to certain conditions, may have higher premiums due to the potential for more frequent or costly vet visits.
• Age: Older dogs often have higher premiums because they are more likely to develop health conditions in later life. This means that your policy price is likely to increase at renewal even if you haven’t made a claim.
• Location: Where you live can also impact the cost of dog insurance. Areas with higher veterinary fees (such as London) may lead to higher premiums.
• Claims history: If you’ve made claims for your dog in the past, insurance companies may charge a higher renewal premium to account for the increased risk.
• Level of cover: The cost of vet fees, the excess and any copayment costs will also influence the price of your policy.

To get the most accurate dog insurance price, it’s important to get a personalised quote based on your dog’s specific details. There is no limit to how much your premium may increase each year, and the increase could be significant.

Most of our dog insurance policies cover dental accidents, with some covering both dental accidents and illnesses. 

• Accident Only includes dental treatment for accidents, up to £500.
  
  
• Time Limited includes:
  • Accident cover up to £750 with a Prime policy
  • Accident and illness cover up to £1,000 with a Prime Plus policy.
    
    
• Max Benefit includes:
  • Accident cover up to £750 with a Max Plus policy
  • Accident and illness cover up to £1,000 with a Max Extra policy.

• Lifetime Annual includes
  • Accident cover up to £750 with our Lifetime £2,000 & £3,000 policies
  • Accident and illness up to £1,000 with our Lifetime £4,000 & £5,000 policies
  • Accident and illness up to £3,000 with our Lifetime £10,000 & £18,000 policies

• Lifetime Condition includes:
  • Accident cover up to £750 with our Superior policy
  • Accident and illness up to £1,000 with our Superior Plus and Prestige policies.

Policy terms & conditions apply.

If your dog is lost or stolen we will pay a percentage of the amount you paid or donated for them, depending on their age, up to the cover limit amount in the policy you choose.

This benefit is not available on our Accident Only policies.

Pre-existing conditions aren't covered by our dog insurance policies. We consider a condition to be pre-existing if it was first noticed before your policy start date or within the waiting period, whether your dog needed treatment previously or not.

How we consider a condition to be pre-existing

If you noticed something was wrong with your pet 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 your dog was limping before the policy started, and your vet later confirmed this was due to Arthritis, we’d consider this a pre-existing condition.

We offer cover for dogs of all ages from 4 weeks old. However, for dogs aged 8 years and over, a co-payment applies, meaning you’ll pay 20% of each vet fee claim in addition to your policy excess. This is due to the increased likelihood of health issues or injuries in older dogs.

While insurance for older dogs may be more expensive, it ensures your dog continues to receive the care they need as they age. For more details on our coverage for senior dogs, visit our Older Dog Insurance page.

Yes, Animal Friends offers coverage for your dog when travelling in the EU. Our dog insurance policies include emergency vet care while overseas, when a vet says your pet needs to be seen straight away, ensuring your pet receives the necessary treatment in case of an accident or illness during your travels.

However, it’s important to check the specifics of your policy, as there may be some restrictions based on the country you're visiting. Always make sure your policy meets the requirements for the destinations you plan to visit.

For more detailed information on travelling with your dog, including advice on pet passports and travel preparations, visit our Dog Travel Advice hub. 

Making a claim with Animal Friends is straightforward and can be done in just a few simple steps:

Animal Friends doesn’t offer multi-pet discounts, but we provide affordable coverage for multiple pets. Each of your pets will have its own policy, and you can choose different cover levels for each, based on their individual needs.

We keep prices as low as possible, so you get the best value dog insurance without the need for discounts. For more details, visit our multi-pet insurance page.