Pet Insurance
Pet insurance for dogs and cats
We've partnered with Animal Friends Pet Insurance – founded in 1998, they now cover over one million pets nationwide and they’ve donated over £7.8 million to over 700 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, they're approved by Fairer Finance, so they're easier to understand.
24/7 vet video 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.
Further benefits
Policy documents
No more deciphering your policies – they’re approved by Fairer Finance so you know they’re easier to understand
Your vet can claim your vet fees on your behalf
So, you don’t have to fill in any paperwork – fuss-free when it matters most.
Why insure your pet?
Looking after the dog in your life
Not many dogs enjoy going to the vet, but most have to at some point. It’s commonly for their ears, skin, or arthritis. Or they could get injured or eat something they shouldn’t. Trips to the vet can be stressful for owners too, but our pet insurance from Animal Friends can at least leave you like a dog with two tails over the bill. Not every pre-existing condition will be covered however, so it's important you check your policy documents.
Cover for your cat
With their natural curiosity, cats sometimes find themselves in trouble. And despite the old saying, they don’t have nine lives. Our pet insurance from Animal Friends can cover treatment for injuries, which could be from falls, road accidents, or run-ins with other animals or pets. They’ll also be covered if they come down with an illness or a condition they didn’t have before you took out your policy. Not every pre-existing condition will be covered however, so it's important you check your policy documents.
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.
Cat lovers
For cats over 10 years old, you’ll have to pay 20% of each claim on top of your excess. This is known as a co-payment.
Dog lovers
For dogs over 8 years old, you’ll have to pay 20% of each claim on top of your excess – known as a co-payment.
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.
Accident only
Covers vet fees for injuries and complications arising from accidents. Does not cover illnesses.
- £2,500 per accident, per year
- £15,000 lifetime per accident
Time Limited
Covers vets fees for each accident, illness or condition for 12 months or until your chosen limit is reached.
- £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.
Lifetime
The most comprehensive option, offering continuous cover against accidents, illness and conditions.
Limits offered per condition
- £1,000 - £6,000 – depending on your chosen policy
Limits offered per year
- £3,000 - £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 classes as a pre-existing condition?
It’s a pre-existing condition if your pet showed any signs or symptoms before your cover started, whether they’ve needed treatment before or not.
Ready to get cover?
If you're ready to get a quote visit the Animal Friends website.