What does our dog insurance cover?
Animal Friends offers a range of policies which offer different cover levels and have different benefits. Here are a few examples of benefits you can find across our different policies:
Dog insurance policies
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.
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.
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.
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.
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.
Not only can our policies cover puppies from 4 weeks old, if your dog is under one year old you will also get additional exclusive benefits with PupStart, our uniquely tailored puppy programme.
You'll have access to:
- Puppy clinics and training with our vet experts at Joii Pet Care
- Online introductory puppy first aid training
- The chance to win a puppy prize bundle worth £200*
Puppies are covered under our dog insurance policies. *Giveaway terms and conditions apply.
Not sure? Key things to consider:
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 2022, the average cost for lameness was £958 and £812 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.
To date, we have donated over £7.8 million to more than 700 animal welfare charities and conservancies worldwide.
Dog insurance FAQs
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.
Our Prestige and Lifetime £5,000 policies will cover dental and gum treatment if it is needed as a direct result of an accident or injury.
Our Lifetime £10,000 and Lifetime £18,000 policies cover treatment for dental illness and accidents.
In all cases, your dog will have needed a dental exam within a year before the injury or illness took place, and you must have followed the vet’s advice.
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.
Need more dog advice?
Our dedicated dog advice also covers:
- The best ways to buy, adopt or foster
- How to apply dog first aid in an emergency
- Knowing dog health condition symptoms
…plus many more everyday tips in our regularly updated guides.