What is pet insurance?
Think of it as a life jacket for your pet’s health. Depending on the plan you choose, it can cover or pay back the cost of their medical needs. So, whether it's X-rays, medicines, hospital stays, surgeries or accidents – pet insurance could help you save money and protect your finances if there’s a surprise emergency.
Pet insurance for dogs and cats
We've teamed up with Animal Friends Pet Insurance to offer cover for your dog and cats. Animal Friends have been around since 1998 and now cover more than one million pets across the country and they’ve donated over £9 million to more than 830 animal charities.
Through Animal Friends Insurance, all dog and cat owners have instant access to qualified vets through the Joii app 24/7.
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Round-the-clock vet consultations through Joii
From the comfort of your own home (or basket) for all dogs and cats insured through Animal Friends.
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Access to health clinics
With qualified vet nurses on a range of topics from check-ups for puppies and kittens through to weight management and dental checks.
Why insure your pet?
Not many dogs or cats are fans of vet visits, but most will have to go at some point – whether it’s skin issues, taking a tumble or facing mishaps like road accidents or run-ins with other animals or pets.
That's where pet insurance through Animal Friends steps in, making sure you’re covered for those unexpected vet bill curveballs. Keep in mind, pre-existing conditions aren't covered so it’s important to double-check your policy documents to understand what you're covered for.
How does my pet’s age affect pet insurance?
With Animal Friends you can cover your cat or dog from 4 weeks old.
Pet insurance premiums go up as your pet gets older because the chances of your pet getting ill increase. Excesses (what you need to pay when you claim) apply to all Animal Friends’ policies and a co-payment is currently in place for claims if you renew your policy after your dog turns 8 years old or your cat turns 10.
Co-payment for cat lovers
For cats over 10 years old, you’ll have to pay 20% of each claim on top of your excess.
Co-payment for dog lovers
For dogs over 8 years old, you’ll have to pay 20% of each claim on top of your excess.
What does pet insurance cover?
Animal Friends has five types of policies for dogs and cats, including two types of the lifetime policy, with different levels of cover to meet your needs. Animal Friends pet insurance policies are subject to Terms and Conditions - please read them carefully to understand what you're covered for.
Accident only
Covers vet fees for injuries and any complications that happen because of an accident. Does not cover illnesses.
Limits offered
Time limited
Covers vet fees for each accident, illness or condition for 12 months or until your chosen limit is reached.
Limits offered
Max benefit
Covers vet fees for accident, illness and conditions up to your chosen cover limit.
Limits offered
This is per condition – depending on your chosen policy.
Lifetime
The most comprehensive option, offering ongoing cover against accidents, illness and conditions. There are two different types:
Limits offered per condition
Limits offered per year
Limits are refreshed each year when your policy is renewed.
Does pet insurance cover pre-existing conditions?
No, Animal Friends doesn’t cover pre-existing conditions.
What counts as a pre-existing condition?
Any signs or symptoms that were showing before your cover started, whether they’ve needed treatment before or not.
