Animal Friends

Ranked

#3
3 of 19 insurers by customers

Animal Friends offers award winning insurance products with 12 levels of cover available through 4 types of insurance policy. They provide cover from 4 weeks of age with no upper age limit, and support 300 animal Charites through their business. They can pay your vet directly if they are signed up to Animal Friends Pawtal.

Reviews

1.7
  • 322 reviews
  • Excellent
    12% Complete
    12%
  • Very Good
    3% Complete
    3%
  • Average
    3% Complete
    3%
  • Poor
    7% Complete
    7%
  • Terrible
    75% Complete
    75%
Coverage

Dogs and Cats: The Animal Friends Accident Only policy offers £2,500 vet fee cover per accident with a total lifetime vet fee cover of £15,000. 
The Time Limited Policy covers accidents and illnesses for 365 days for each condition or until the chosen policy total pay out limit for vet fees is reached, whichever is sooner. You can choose between £3,000 cover in the Basic policy, £4,000 in the Basic Plus policy, £7,000 in the Prime policy and £10,000 in the Prime Plus policy. 


The Maximum Benefit Policy options offer lifetime payout limits per condition of either £1,000 in the Max Value cover; £2,000 in the Max Plus cover and £4,000 in the Max Extra cover policy.  Each policy covers accidents and illnesses up to the cover limit selected per condition. Once the cover per condition is used up that condition is no longer covered.


The Lifetime policy offers continuous cover for accidents and illnesses while the policy is active up to the per condition, per year limits selected. The policy options are Super Lifetime cover with a maximum pay out limit of £1,000 per condition, per year; Superior Lifetime cover with a maximum payout limit of £2,000 per condition, per year; Superior Plus cover with a maximum pay out limit of £4,000 per condition, per year and Prestige Lifetime cover offering a maximum pay out limit per condition of £6,000 per condition, per year. Cover for each condition is continuous up to the policy limits each year if the policy is renewed each year with no break in cover.  


Additional payout limits apply on claims per condition for each policy type. 

Horse and Rider Policies: Animal Friends provide a range of horse insurance policies with 'bolt-on' additional cover options for you to choose from. The Standard Horse insurance policy offers vet fees condition limit of £2,000 per condition for a year from the first occurrence. Other policy options offer increased cover limits. They offer Mature Horse policies for horses 20 years and over covering accidental injuries up to £2000 per injury for 12 months from on-set. Rider-only insurance is also available for those who ride for other owners and covers personal injury and dental, Third Party liability, emergency vet care in the case of an accident when you are riding, with variable limits available.

The Animal Friends Rider only policy offers cover for Personal Accident, Third Party Liability and Custodial Liability cover plus Emergency Veterinary Fees for the horse you are riding. All policies offer Third Party Liability pay out limit of £1million, with Death cover for the Young Rider policy of £5,000 and 2 options for adults: Standard Rider Only policy offers £10,000 for death and the Super Rider Only policy offers £20,000 in the event of the riders death. Young Rider policy and the Standard adult policy have a dental treatment limit of £1,000, with the Super Adult policy offering £1,500 limit to cover. All policies offer £1,000 emergency vet cover with the adult policies offering £2,000 custodial Liability cover.

Excess

Dogs and Cats: Vet fee excess of £99 per condition in each policy year.

Horse and Rider policies: Standard Horse insurance Excess options of £250 or £500. Rider only excess charges vary between £50 and £100 dependent on cover.

Age Limits

Dogs and Cats: From 4 weeks of age with no upper age limits.

Horses and Riders: Standard Horse Insurance covers horses from 30 days old to 20 years. Mature Horse insurance covers horses who are 20 or older. Rider-only cover for children and adults. Upper age limit for young rider is 18 years of age, adult rider the upper age limit is 75 years.

Waiting Period

Dog and cat policies: 5 days for Accidents or injuries, 14 days for illnesses or cruciate ligament injuries.

Horse and Rider policies: 14 days

Additional Policy Information
Please note

Policies are subject to exclusions and conditions so please always consult the insurer's policy documents before you buy. 

Pet Insurance Review compiles the latest Policy information and general company information from each insurers website with the information gathered on the date shown. We make every effort to ensure the information is correct but cannot be held responsible for any inaccuracies.  

Company info

Animal Friends offers award winning insurance products with 12 levels of cover available through 4 types of insurance policy for cats and dogs. The types of policy they offer are Accident only, Time Limited cover, Maximum Benefit cover and Lifetime cover policies. They provide cover from 4 weeks of age with no upper age limit, and support 300 animal Charities through their business. They can pay your vet directly if they are signed up to Animal Friends Pawtal.

Animal Friends

Insurer: Animal Friends
By:
Alastair Woodford
Posted: 17/04/2019
1

Had valid claim rejected by Animal Friends Insurance- so upsetting dont know how I am going to afford treatment for my dog now. They use any excuse they can to not pay out valid claims. Please avoid them!!!!

Breed

Shih Tzu

Species:
Dog
Insurer: Animal Friends
By:
Sharon Byrne
Posted: 16/04/2019
1

Took my dog for yearly vaccination whilst there said she’s trod on something can u have a look at her paw gave me some cream it was a bit red it’s then fine .
I move house 10 months later after this incident she starts scratching till she bleeds all...

Breed

Terrier

Species:
Dog
Insurer: Animal Friends
By:
Annette
Posted: 06/03/2019
1

My dog has been recently diagnosed with a collapsing trachea and on attempting to claim from animal friends they refused to pay out. The reason given several months earlier my dog had kennel cough and they linked the two conditions in spite of the vet...

Breed

Jack Russell Terrier

Species:
Dog