Puppy 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

When you welcome a new addition to your home, the last thing you want is for your pup to get hurt or to become unwell and have to worry about paying for their treatment. That’s where puppy insurance comes in! Peace of mind for pet owners, puppy insurance helps protect against unexpected veterinary costs.

Just like any other insurance policy, you pay a pre-calculated monthly (you can sometimes pay annually) premium so that your puppy is covered when they need it most. Your policy will outline what’s covered and up to how much while detailing any exclusions, your excess, and any other things you’ll need to know about your puppy’s insurance.

It’s in a puppy’s nature to explore the world around them as they grow which can make them quite susceptible to accidents so you could end up at the vet sooner than you might have expected.

Puppy insurance ensures your puppy is well looked after, with insurance from Animal Friends providing cover if your dog was to pass away, is lost or stolen, hurts someone or damages property with other benefits available depending on the chosen level of cover.

Policies vary, but you’ll typically find a number of common exclusions including the cost of routine care such as vaccinations, worm and flea treatment and costs of microchipping.

Animal Friends can insure your puppy as soon as they’re four weeks old, as long as they live with you!

You cannot insure your puppy with an Animal Friends policy before they live with you at your UK address. We can, however, set up a policy to start as soon as you bring your pup home as long as it’s no more than a month away.

It may be worth asking to see whether the breeder has an insurance policy which covers the puppy before it comes to live with you. This way, there will be no gap in your puppy’s protection once it leaves the litter.

While every breed has its strengths and weaknesses (see our list of breed-specific health conditions), puppies in particular can be more prone to health conditions, due to their age and behavioural characteristics.

These include:

• Complications from changing their diet after arriving home
• Getting ill as their immune systems aren’t fully developed (this happens at around five months)
• Injuries resulting from inability to assess risk (like jumping from high places)
• Wear-and-tear issues relating to under-developed joints and over-exercise

There are multiple factors that decide the price of your puppy’s insurance policy. These include:

• Your pup’s age
• The breed of your pup
• Where you live
• The type of cover

When looking for your perfect pup, don’t forget to choose a breed that suits your lifestyle before getting quotes as this will ensure a better lifelong relationship for you and your dog.

No, dog insurance does not cover any routine, preventative, elective or cosmetic treatment, even when it’s recommended by a vet to prevent an illness or injury. For example, this includes the cost of grooming, vaccinations, neutering, or flea/worm treatment. 

Dog insurance is designed to cover your dog for unforeseen illnesses and accidents, such as sudden injuries from an accident or unexpected medical conditions.