Illustration of a dog sat on some scales

Dog insurance quote

Every moment should be happy. When life says otherwise, we're here.

Dog insurance made simple

Our step-by-step online quote process can help you determine the level of cover you need for your four-legged best friend. With just some information about yourself and some details about your dog, we'll give you quotes that suit you, your dog and your budget.

Get a Quote

Want to know a bit more about what policy cover or type is right for you and your dog first? Find out how our award-winning policies work below:

Our policies

We have 5 types of pet insurance policies, including two options for Lifetime, each with different levels of cover for the cost of vet fees.

Pre-existing conditions aren’t covered, unless they have been treatment and symptom free for more than 2 years. 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.

Excluded breeds

This aims to protect your dog if they have an accident. It doesn’t cover you for any illnesses or diseases they might have. If your dog has an accident, the policy offers £2,500 per year towards the cost of treating their injuries. The £2,500 limit applies to each accident your dog 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 dog needs long-term treatment for their injuries – up to the £2,500 annual limit.

See Accident Only details

Time Limited products aim to protect your dog if they become ill or are injured in an accident. You can claim up to a set amount for vet fees for each condition your dog might have.

Each new condition is covered for 12 months – as long as you renew your policy. The 12 months starts from the date your dog first showed signs or symptoms of the condition. Once you reach your vet fee limit – or after 12 months, whichever comes first – we won’t cover that condition anymore, even after you renew.

The annual limit in your schedule is the most we’ll pay in total each year for all conditions.

See Time Limited details

Maximum Benefit policies aim to protect your dog if they become ill or are injured in an accident. You can claim up to a set amount for vet fees for each condition your dog might have. You can claim for as many conditions as you need to, as long as you stay within the vet fee limit for each condition. Once you reach the limit for a condition, you won't be able to make a claim for it again, even after you renew.

See Max Benefit details

Lifetime Annual Limit

Lifetime Annual Limit policies aim to protect your dog if they become ill or are injured in an accident. This policy allows you to claim up to a set amount for vet fees each policy year. You can claim for as many conditions as you need to each policy year, as long as you stay within your vet fee limit. The limit resets when you renew, and we’ll cover your dog’s conditions for as long as you have a policy with us.

Lifetime Condition Limit

Lifetime Condition Limit policies aim to protect your dog if they become ill or are injured in an accident. This policy allows you to claim up to a set amount for vet fees per policy year for each condition your dog might have. You can claim for as many conditions as you need to each policy year. This limit resets when you renew, and we’ll cover your dog’s conditions for as long as you have a policy with us.

See Lifetime details

Pet insurance premiums increase as your pet gets older, as the chance of your pet becoming ill increases. Excesses apply to all our policies and a co-payment is currently payable on claims if you renew your policy after your dog turns 8 years old.

Speak to a vet, any time, for free

As an Animal Friends customer you have access to free vet video consultations and advice, through the Joii app.

You can speak to the veterinary experts at Joii Pet Care from the comfort of your own home 24 hours a day 7 days a week.

According to the Association of British Insurers the average pet insurance claim in 2020 was £817.

How much cover do you need?

According to the Association of British Insurers, the average vet claim was £817 in 2020.

Knowing how much your dog could cost is important so you’re prepared with the right type of policy and we’re here to help with cover up to £18,000 in a year.

Cover starts immediately if you are switching from another provider

Looking to switch insurer?

We will cover you immediately when switching from another provider to Animal Friends. We have friendly teams manning the phones, chat facility and email, ready to support you with any help or information you may need.

Terms and conditions apply

We've donated over £6 million

Why choose Animal Friends?

With over 20 years experience, more than £6million 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.