Dog poking through a fence

Why do you need pet insurance?

They don’t know what’s best, but you do.

Here at Animal Friends, protecting animals is at the heart of what we do, and we know just how costly vet treatment can be. Fees can often run up to hundreds, sometimes even thousands, of pounds so it’s not surprising that some owners might struggle with an unexpected vet bill.

Pet insurance can help protect your pet, and your pocket, against the costs of their medical treatment.

What is pet insurance?

Just like our wonderful companions, pet insurance policies come in all different shapes and sizes. When you take out cover for your pet, you can choose to get protection for just those one-off mishaps all the way through to support with lifelong medical conditions.

You can also choose to pay for your insurance with a monthly or annual premium too. Should the worst then happen and your pet gets injured or falls ill, you can then claim back the costs of their treatment covered by your insurance.

Depending on what type of cover you have, some of our policies can also help you with:

  • Alternative treatments
  • If your pet goes missing or is stolen.
  • Treatment for behavioural problems
  • If your pet dies or is put to sleep
  • If your pet injures someone or damages their property.

Do I need pet insurance?

Just like us, our pets could face anything and everything in their lifetime, and need to be taken care of when they fall ill or get hurt.

So it’s not surprising that in 2020, pet insurers paid out £2.2 million a day* to cover the unexpected costs of having a pet so their customers didn’t have to.

*Source: Association of British Insurers

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

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.

Excluded breeds

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.

Full details for cats Full details for dogs

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.

Full details for cats Full details for dogs

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.

Full details for cats Full details for dogs

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.

Full details for cats Full details for dogs

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.

Protect your pet

Get a pet insurance quote with us and find out how you can be prepared should the worst happen to your beloved pet.