If you are struggling financially due to COVID-19 then please call us on 0344 557 0300 or visit our FAQS.

Over 20 years experience as pet insurance experts.

  • Free 24/7 vet video consultations for cats and dogs
  • Every policy you buy helps us support animal charities
  • Your vet can claim online on your behalf.
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What our customers are saying

What our customers are saying!

Free vet video consults for your dog or cat 24/7/365 through the Joii app

As an Animal Friends customer, you have access to:

  • Free video consults with a vet or nurse on your phone or tablet
  • A tailored symptom checker to find out what the problem is and what to do next
  • Get treatment plans and products delivered to your door
How to get free access

Online vet consultations with Joii

Your vet can claim for vet fees and pre-authorisations 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 aged between 4 weeks to 28 years, so check out our policies, Start My Quote, and find out just how affordable insuring your pet can be!

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Need some help?

Check out our FAQS and handy glossary to help you understand more about pet insurance.

Why choose us?

We have over 20 years experience

Animal Friends Pet Insurance was founded in 1998, exclusively providing pet insurance for over 20 years.

Founded to support animal charities

Founded with the sole aim of providing pet insurance as a means to help support animal welfare charities To date we have donated over £4 million to over 300 animal welfare charities across 7 continents.

Friendly UK-based team

We are ready to help, we are all animal lovers.

Competitively-priced policies

We have 4 types of pet insurance policy with various levels of cover to suit your budget as well as your pet’s needs. with cover for vet fees ranging from £1000-£6,000 per condition depending on the chosen plan.

Accident Only Pet Insurance Accident Only

from
£3.01/month
  • Covers vet fees for accidents.
  • Does not cover illnesses, diseases or have any other benefits.
  • Covers £2,500 per accident per year.
  • A lifetime limit of £15,000 per accident.
  • Any pre-existing conditions will not be covered.
Limits offered
£2,500 per accident £15,000 lifetime
Start My Quote

View full details and cover

Time Limited Pet Insurance Time Limited

from
£0.00/month
  • Cover for accidents, illnesses and conditions for 365 days or until the condition limit is reached.
  • There is also an annual combined payout limit – once reached, cover stops for all claims until the next policy year.
  • Upon renewing the policy, cover for eligible conditions continues.
  • Any pre-existing conditions will not be covered.
Limits offered
£1,000 - £4,000
per condition
dependent on chosen policy
Start My Quote

View full details and cover

Max Benefit Pet Insurance Max Benefit

from
£4.83/month
  • Cover for accidents, illnesses and conditions up to the specified cover limit, while the policy is active.
  • When a condition’s claim limit is reached, you will not be able to claim for that condition again.
  • Any pre-existing conditions will not be covered.
Limits offered
£1,000 - £4,000
per condition
dependent on chosen policy
Start My Quote

View full details and cover

Lifetime Pet Insurance Lifetime

from
£5.12/month
  • Our most comprehensive pet insurance.
  • Offers continuous cover against accidents and illnesses while the policy is active.
  • Each condition has an annual limit, refreshed when you renew the policy.
  • Any pre-existing conditions will not be covered.
  • Any condition that develops during the life of your policy with us may no longer be covered if you change provider.
Limits offered
£1,000 - £6,000
per condition, per year
dependent on chosen policy
Start My Quote

View full details and cover

We know that new puppies and kittens are always exciting and therefore you may decide that you want to breed from your pet. Unfortunately, we are unable to provide cover for costs related to breeding or provide cover for pets that are used for this purpose, regardless if you are a registered breeder or not.

We also understand that accidents happen and therefore kindly ask that you contact us at your earliest convenience as this may affect your policy.

If your pet has sadly passed away, there are some resources you may find useful to help you and your family deal with your grief under our Pet bereavement and pet loss page.

If you wish to contact us to cancel your policy, you can do this via Live chat, email info@animalfriends.co.uk or by calling our friendly UK team on 0344 557 0300. The cancellation will not affect any claim you may be intending to submit, providing that the premium for the treatment period has been paid. All this will do is stop any future payments from being debited.

If you are thinking of claiming for our Death of pet benefit, please visit our Pet bereavement and pet loss page for more information.

 

Unfortunately, there are some breeds of dogs and cats that we do not provide cover for. This includes any breed crossed with these. Please check our excluded breeds lists:

Excluded dog breeds

  • Akita
  • Alapaha Blue Blood Bulldog
  • American Bandogge / Bandogge Mastiff
  • American Bully
  • American/Irish Staffordshire Bull Terriers
  • Anatolian Karabash
  • Anatolian Shepherd Dog
  • Anglican Bulldogge
  • Any dog banned in Great Britain
    • This includes any ‘type’ defined in the Dangerous Dogs Act 1991, considered to match the description of a prohibited ‘type’; any breed crossed with these dogs; and any other breed or type added at a later date.
  • Any dog used for hunting, shooting, trade, or business
  • Any dogs under 4 weeks old
  • Australian Dingo
  • Brazilian Dogo
  • Bucovina Shepherd Dog
  • Bully Kutta / Pakistani Mastiff / Indian Mastiff
  • Canary Dogs / Perro de Presa Canarios / Presa Canarios
  • Cane Corsos
  • Caucasian Shepherd Dog / Caucasian Ovcharka
  • Chinese Red Dog
  • Czechoslovakian Wolfdogs / Saarloos Wolfhound / Wolf Hybrids
  • Dogo Argentino / Argentine Dogo / Argentinian Mastiff
  • Fila Brasileiro / Cao Fila / Saint Miguel Cattle Dog / Azores Cattle Dog / Brazilian Mastiff
  • Fox hound / Foxhound
  • Greek Harehound
  • Greek Shepherd / Greek sheepdog / Hellenikos Poimenikos
  • Istrian Hound
  • Japanese Tosa / Tosa Inus
  • Karabash
  • Karelian Bear Hound
  • Korean Jindo
  • Laizhou Hong
  • Northern Inuit Dogs
  • Pariah
  • Pit Bull Terrier / Pit Bull Mastiff
  • Racing Greyhounds
  • Romanian Raven Shepherd Dog
  • Sabueso Español
  • Shar Pei
  • Thai Ridgeback
  • Turkish Kangal
  • Utonagan

Excluded cat breeds

  • Asian Leopard Cat
  • Chausie
  • Keetso

We don’t offer discounted multi-pet cover because we do everything we can to make sure you get the best price for your pet. By not offering deals or discounts we can keep our prices lower for everyone, no matter how big or small your animal family is.

Dental or gum treatment is only covered under our Prestige policy and Assure Plus policy, if it is a direct result of an accident or injury.

Dental or gum treatment is not covered when a condition that is covered results in the need for dental or gum treatment.

For all other policies, dental and gum treatment is not covered.

This benefit is different for customers who have renewed with us from Aviva. Find out more.

You can get a quote online by completing some questions about your yourself and your pet.

Get a quote now.

Alternatively, if you’d prefer to speak to us, you can call our Sales Team on 0344 557 0300 and we can guide you through the process.

Each year our pet insurance policies are annually reviewed by our Underwriters and our pricing team.

For this they consider many factors such as the age and breed of the pet, the risks of recurring or chronic conditions associated with specific breeds and the risk area that the pet lives in, as well as any claims history.

General insurance products are taxed by the government. The tax is known as Insurance Premium Tax and pet insurance is taxed at the standard rate of 12% as of June 2017.

You don’t have to pay VAT on insurance.

Any condition, illness, injury, symptom or sign of a condition occurring or existing prior to your policy’s start date will be considered a pre-existing condition and will be excluded from your terms of cover.

You should inform us of these upon taking out your policy.

If we find out about them later we reserve the right to apply exclusions when we are made aware of the pre-existing condition.

We will also apply exclusions to any illness or condition if symptoms or signs are noted, or a diagnosis is made, during the 14-day waiting period at the start of your policy. Cover for accidents starts after 5 days. You can also claim for public liability immediately (on policies where public liability cover is included).

We will still offer insurance to a pet who has had an illness or injury before, however any injury, illness or condition that’s noticed or diagnosed before you take out the policy, or within the first 14 days, will be excluded from your terms of cover as a pre-existing condition.

For more information about how we apply exclusions please read our policy wording thoroughly. Policy wording can be found under our products pages.

Yes, however, to help us keep premiums as low as we can, when your dog is 8 or older or your cat is 10 or older, a co-payment will become payable when you make a claim.

The co-payment is usually 20% of each claim amount that you’ll have to pay, in addition to the Excess and will be deducted from the applicable policy limit.

Just like people, as your pet ages the chance of it needing medical treatment increases, meaning you’re more likely to claim on your policy. This means that your premiums may increase as your pet ages. Please check your policy schedule to confirm the exact percentage applicable.

You can see if a co-payment applies to your policy, by viewing your policy details online.

As a non-advisory service, we’re unable to recommend a policy to you, however we can give you all of the information you need in order to make an informed decision.

If you are not sure how each policy works you can find out more on our policy comparison tables.

Alternatively you can ring our Sales Team who will be happy to explain our policies in further detail.

We offer a Standard policy for horses, ponies and donkeys aged from 30 days to 20 years, with a range of optional policy extras such as damage, loss or theft of saddlery and tack.

If your equine is over 20 you will need to take out a Mature policy, which covers accidental injury only.

If you, as the owner, also regularly ride the horse you can opt to add personal injury cover to your policy.

For regular horse riders who do not own or loan a horse, we have a Young Rider policy for riders aged from 5 years old to 17.

We have four different policy types for dogs and cats.

Our Accident Only policies provide cover for injuries sustained in an accidents.

Our Time Limited, Max Benefit and Lifetime policies cover injuries, illnesses and conditions, as well as having other benefits available such as advertising and reward if you pet is lost or stolen, holiday cover and death of pet.

These policies also have different levels of cover.

For dogs find out more about our Accident Only, Time Limited, Max Benefit and Lifetime policies.

For cats find out more about our Accident Only, Time Limited, Max Benefit and Lifetime policies.

We offer cover for dogs, cats, horses, ponies and donkeys, as well as insurance for riders.

Some exclusions may apply based on your pet’s breed, behaviour and lifestyle, so it’s important to check our excluded breeds list and general exclusions.

Please note that we will not cover mixed breeds where they are known to be a cross of any of our excluded breeds.

Excluded dog breeds

  • Akita
  • Alapaha Blue Blood Bulldog
  • American Bandogge / Bandogge Mastiff
  • American Bully
  • American Foxhound
  • American/Irish Staffordshire Bull Terriers
  • Anatolian Karabash
  • Anatolian Shepherd Dog
  • Anglican Bulldogge
  • Any dog banned in Great Britain
    • This includes any ‘type’ defined in the Dangerous Dogs Act 1991, considered to match the description of a prohibited ‘type’; any breed crossed with these dogs; and any other breed or type added at a later date.
  • Any dog used for hunting, shooting, trade, or business
  • Any dogs under 4 weeks old
  • Australian Dingo
  • Biewer Terrier/Biewer Terrier Cross
  • Braque du Bourbonnais
  • Brazilian Dogo
  • Bucovina Shepherd Dog
  • Bully Kutta / Pakistani Mastiff / Indian Mastiff
  • Canary Dogs / Perro de Presa Canarios / Presa Canarios
  • Cane Corsos
  • Caucasian Shepherd Dog / Caucasian Ovcharka
  • Czechoslovakian Wolfdogs / Saarloos Wolfhound / Wolf Hybrids
  • Dogo Argentino / Argentine Dogo / Argentinian Mastiff
  • Drever
  • Fila Brasileiro / Cao Fila / Saint Miguel Cattle Dog / Azores Cattle Dog / Brazilian Mastiff
  • Fox hound / Foxhound
  • French Gun Dog
  • Greek Harehound
  • Greek Shepherd / Greek sheepdog / Hellenikos Poimenikos
  • Istrian Hound
  • Japanese Tosa / Tosa Inus
  • Karabash
  • Karelian Bear Hound
  • Korean Jindo
  • Northern Inuit Dogs
  • Pariah
  • Pit Bull Terrier / Pit Bull Mastiff
  • Racing Greyhounds
  • Romanian Raven Shepherd Dog
  • Sabueso Español
  • Shar Pei
  • Thai Ridgeback
  • Turkish Kangal
  • Utonagan

Excluded cat breeds

  • Asian Leopard Cat
  • Chausie
  • Keetso