Pet Insurance

Multi award-winning pet insurance provided by Animal Friends

  • Choose from five levels of cover for cats and dogs
  • Free 24/7 vet video consultations through the Joii app
  • 'Excellent' rating on Trustpilot

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 provide cover for your dogs 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 £8.5 million to more than 800 animal charities.

Through Animal Friends Insurance, all dog and cat owners have instant access to qualified vets through the Joii app 24/7. Plus, there's no more deciphering policy documents - all Animal Friends policies are recognised by  Fairer Finance,  as being clear and easy to understand.

  • Round-the-clock vet consultations through Joii

    From the comfort of your own home (or basket) for all dogs and cats insured with Animal Friends.

  • Symptom checker through Joii

    A tool that makes thousands of clinical decisions - created by vets for pet owners.

  • 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 from 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. Any policy you pick will help support animal charities too, so it’s a win, win. 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

  • £2,500 per accident, per year 
  • £15,000 lifetime per accident

Time limited

Covers vet fees for each accident, illness or condition for 12 months or until your chosen limit is reached. 

Limits offered

  • £1,000 - £4,000 per condition – depending on your chosen policy
  • £4,000 - £10,000 per year, for all conditions combined – depending on your chosen policy

Max benefit

Covers vet fees for accident, illness and conditions up to your chosen cover limit.

Limits offered 

  • £1,000 - £4,000 

This is per condition – depending on your chosen policy.


The most comprehensive option, offering ongoing cover against accidents, illness and conditions. There are two different types:

Limits offered per condition

  • £1,000 - £6,000 – depending on your chosen policy

 Limits offered per year

  • £1,000 - £18,000 per year, for all conditions combined – depending on your chosen policy

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.

Ready to protect your pet’s health?

You can get a quote by heading over to Animal Friends’ website and answering a few short questions about you and your pet.

Get a quote from Animal Friends

Learn more about Animal Friends Insurance