Animal Friends

Ranked

#7
7 of 19 insurers by customers

Read customer reviews for Animal Friends Pet Insurance, who offer award winning insurance products with 13 levels of cover available, through 4 types of insurance policy. They provide cover from 4 weeks of age with no upper age limit, and have supported over 600 animal Charites through their business. They can pay your vet directly if they are signed up to Animal Friends Pawtal and they offer 24/7, 365 days a year access to video vet consultations.

Reviews

1.6
  • 407 reviews
  • Excellent
    12%
  • Very Good
    2%
  • Average
    2%
  • Poor
    6%
  • Terrible
    78%
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 12 months for each condition or until the chosen policy total pay-out limit for vet fees is reached, whichever is sooner. You can choose between £1,000 in the Basic Plus policy, £2,000 in the Prime policy and £4,000 per condition in the Prime Plus policy. 

The Maximum Benefit Policy options offer lifetime pay-out limits per condition of either £1,000 per condition in the Max Value cover; £2,000 per condition in the Max Plus cover and £4,000 per condition 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. The policy options are Super cover with a maximum pay-out limit of £1,000 per condition, per year; Superior 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; Prestige cover with a maximum pay out limit of £6,000 per condition, per year; Assure cover with a maximum pay-out limit of £3,000 per year, and Assure Plus cover with a maximum pay-out limit of £5,000 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 a vet fees condition limit of £2,000 to £6,000 per condition for a year from the first occurrence. They offer Mature Horse policies for horses over 20 years covering accidental injuries up to £2,000 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.

All policies offer a Third Party Liability pay-out limit of £2 million, with death cover for the Young Rider policy of up to £5,000. The Standard Rider policy offers £10,000 in the event of the riders death. The Young Rider policy and the Standard Rider policy have a dental treatment limit of £1,000. 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 on all policies other than Assure and Assure Plus, where there is only one vet fee excess of £99 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 £250 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 old, for Standard Rider the upper age limit is 75 years.

Waiting Period

Dog and cat policies: 2 days for accidents or injuries, 14 days for illnesses or cruciate ligament injuries.

Horse policies: 2 days for accidents and 14 days for illness.

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 13 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 have supported over 600 animal Charities through their business. They can pay your vet directly if they are signed up to Animal Friends Pawtal and offer 24/7/365 days access to video vet consultations.

Animal Friends Pet Insurance Reviews

Insurer: Animal Friends
By:
Andrew Gee
Posted: 21/04/2022
1

Morally corrupt company who do not have your pets health at the forefront of their core values. Finding ways of not paying out against policies is their main aim. They literally will manipulate the smallest of comments to their advantage with not one...

Breed

Mixed Breed

Species:
Dog
Insurer: Animal Friends
By:
Stuart Edwards
Posted: 05/04/2022
1

The service we have received from this insurance company is nothing short of disgusting. My father had an insurance policy with this company for 7 years. Earlier this year he was admitted to hospital, then discharged, before dying suddenly.

While he...

Breed

Labrador Retriever

Species:
Dog
Insurer: Animal Friends
By:
Kim Cooper-Grindley
Posted: 08/03/2022
1

Policies for two cats for 8 years . First claim in all that time and they did everything possible to make the process difficult and avoid paying at a time when I was grieving . Was advised could claim up to £100 for euthanasia, sent a settlement for £0...

Breed

British Shorthair

Species:
Cat