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 and 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 Maximum Benefit dog insurance, you have one fixed amount of vet fee cover for each accident or illness. You can make claims for as many conditions as you need to each year. 

• 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.
• 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

Vet fees are not standardised in the UK and can vary from practice to practice with factors such as location, your pet’s age and the severity of the condition all having an influence on the cost of treatment.

Based on the average cost of vet fee claims submitted to Animal Friends for medium sized dogs in 2024, the average cost for lameness was £1,309 and £1,127 for seizures.

As treatment and medication for our pets becomes more advanced and sophisticated, the cost of veterinary fees is likely to rise too. Pet insurance can help give you the support you need when the worst happens.

Many of our policies also include additional benefits such as cover if your dog is stolen or goes missing, or if they injure someone or damage their property, providing you with extra protection and assistance. Find out more about these benefits in our policy terms and conditions.

It's important that you choose a policy and cover level that is appropriate for both your dog and your budget. When you get a quote with us, we'll take you through a step-by-step process to help you decide on the type of cover you need.

We’re not like other UK pet insurers, we were founded to make a difference. Our policies don’t just protect against the unexpected, they have purpose too! Every policy helps to support vulnerable pets and wildlife across the country and around the world. We’ve donated millions of pounds to hundreds of animal welfare charities, and we’re still going.

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

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 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 pet needed treatment previously or not.