Pet insurance policies with purpose
Not only do we provide cover for over one million of the UK's cats, dogs, horses and riders, we also make a difference.
Our muti-award winning cover offers you a variety of policies to suit you, your pet's needs and your budget. And when you become an animal friend, you can be proud knowing that your pet and your policy are helping support vulnerable animals around the world.
Get a quote for your pet online today and find out just how much a pet insurance policy could cost you. All you need to do is provide some information about yourself and some details about your pet.
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.
This aims to protect your pet if they have an accident. It doesn’t cover you for any illnesses or diseases they might have. If your pet 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 pet 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 pet needs long-term treatment for their injuries – up to the £2,500 annual limit.
Time Limited products aim to protect your pet 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 pet 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 pet 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 pet 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 pet 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 pet 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 pet’s conditions for as long as you have a policy with us.
Lifetime Condition Limit
Lifetime Condition Limit policies aim to protect your pet 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 pet 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 pet’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 or your cat turns 10 years old.
Speak to a vet, any time, for free
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.
Your vet can claim for vet fees for you
- This means there is no paperwork for you to complete.
- Claims can be dealt with much quicker.
- We can pay you or the vet practice.
- We’ll keep you informed though text and email.
We can insure dogs and cats from 4 weeks old, so check out our policies, get a quote and find out just how affordable insuring your pet can be!
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.