Animal Friends Insurance:
7 plans to choose from!

Animal Friends Insurance offers coverage for your pet as young as 5 weeks old. They were friendly and very quick to respond by e-mail to all my many questions (by 2 different representatives too!). Thank you!

They have 7 different plans to choose from, so you can probably find one within your budget! They also offer coverage for horses.

Their website is very informative and offers lots of information on keeping your pet healthy.

Animal Friends Insurance claims on their site to be one of the UK’s fastest growing provider of pet insurance today. But with the many different plans and decent pricing, I can understand why.

Intersting fact from Animal Friends InsuranceVet fees have been increasing by about 12% per year, and an estimated 1 in 3 pet owners need to claim for vet treatment.

On this page you will find coverage tables so that you can compare their different plans side by side to figure out what you can afford and what coverage you are looking for.

Snapshot Information Chart for Animal Friends Insurance
(Figures are all in £)

PlanVet fees- Accidents and illnessExcess (per condition)Max age limit to sign onLifetime coverPrice per month
Accident onlyAccident only 10 000/ condition (lifetime) 2000/ condition (per year)69 or 99 (75 for property damage)nonoDog: 3.86- 5.97 Cat: 3.83- 4.24
Basic500/ condition, “12 month only” 3000/ year69 or 99 (75 for property damage)nonoDog: 7.70- 12.43 Cat: 5.87- 6.74
Prime2000/ condition, “12 month only” 7000/ year69 or 99 (75 for property damage)nonoDog: 11.57- 18.74 Cat: 6.66- 7.09
Prime Plus4000/ condition, “12 month only” 10000/ year69 or 99 (75 for property damage)nonoDog: 13.38- 20.86 Cat: 7.29- 7.84
Superior20 000/ condition (lifetime) 2000/ condition (per year)69 or 99 (75 for property damage)noYes upto lifetime and annual maximumDog: 13.26- 21.64 Cat: 8.87- 10.09
Superior Plus30 000/ condition (lifetime) 4000/ condition (per year)69 or 99 (75 for property damage)noYes upto lifetime and annual maximumDog: 18.15- 28.68 Cat: 11.61- 13.20
Prestige40 000/ condition (lifetime) 6000/ condition (per year)69 or 99 (75 for property damage)noYes upto lifetime and annual maximumDog: 25.34- 37.98 Cat: 14.51- 16.49

They have a 35% Co-Payment scheme for pets over 8yrs old.

To understand Excess and co-payment click here.

They have their own veterinary advisor that will say if the vet fee is excessive. If there is a dispute, they pay only the reasonable amount deemed by their Veterinarian advisor.

An accident is defined as: motor vehicle or boating incident; burn or electrocution; fall from an elevated position; near drowning; the actions of another animal; swallowing a foreign object requiring surgical or endoscopic removal; snake bite; allergic reaction to an insect bite, other than tick and flea bites; Drug, Alcohol and/or Plant poisoning.

Detailed coverage Chart for Animal Friends Insurance
(Figures are all in £)

Accident onlyBasicPrimePrime PlusSuperiorSuperior PlusPrestige
Vet fees Accident and illnessAccident only 10 000/ condition (lifetime) 2000/ condition (per year)500/ condition, “12 month only” 3000/ year2000/ condition, “12 month only” 7000/ year4000/ condition, “12 month only” 10000/ year20 000/ condition (lifetime) 2000/ condition (per year)30 000/ condition (lifetime) 4000/ condition (per year)40 000/ condition (lifetime) 6000/ condition (per year)
Routine Care-------
Hereditary ConditionsYesYesYesYesYesYesYes
Hip dysplasiaYesYesYesYesYesYesYes
Death or loss (replacement cost of pet) -350750100075010001500
Boarding (if owner hospitalized)-100750100075010001500
Holiday (trip cancellation)--10001500100015002500
Cover Abroad -50010001500200020002000
Quarantine costsnonononononono
Behavioural problems-------
Prescription medsReasonable charges onlyReasonable charges onlyReasonable charges onlyReasonable charges onlyReasonable charges onlyReasonable charges onlyReasonable charges only
Dental (not teeth cleaning)See belowSee belowSee belowSee belowSee belowSee belowSee below
Alternative/ Complimentary treatmentReasonable charges onlyReasonable charges onlyReasonable charges onlyReasonable charges onlyReasonable charges onlyReasonable charges onlyReasonable charges only
Breeding, Fertility, Pregnancy-------
Medical devices (ex. Wheelchair)Reasonable charges onlyReasonable charges onlyReasonable charges onlyReasonable charges onlyReasonable charges onlyReasonable charges onlyReasonable charges only
Lost/Stolen pet adds and reward-1006008006008001000
Third party liability-1 million1.5 million1.75 million1.5 million1.75 million2 million
(dogs only)       
Accidental Damage (tenant coverage)------750
Grooming and Bathing-------
Pet food, Nutritional supplements, vitamins, natural remedies-------

Vet fees- Accident or illness
Routine/Preventative care- is not covered by Animal Friends insurance plans. vaccinations, annual exam, spay/neuter, heartworm testing and meds, teeth cleaning, tick and flea meds.
Hereditary conditions-are covered.
Hip Dysplasia- is covered as long as it’s not a pre-existing condition.
Death- Will cover replacement price of pet if dies from accident , NOT from cats or dogs over 8 that die of illness. Or if your pet is lost due to theft or straying.
Euthanasia and Cremation - neither are covered.
Boarding- If you go to hospital for more than 4 days (unless you or partner go to hospital for pre-existing condition, delivery or expected treatment)
Holiday- if your pet needs surgery within 14 days of leaving on a trip due to accident or illness. Not covered if you booked trip within 28 days.
Cover abroad- is covered up to a certain amount depending on the plan.
Quarantine Costs- Vet fees only are covered for travel abroad. All pets should have a pet passport to travel and not require quarantine to travel.
Behavioural problems- are not covered.
Prescription Meds-reasonable charges of prescription meds are covered.
Dental- Generally, Dental is NOT covered, however, dental is covered if due to an accident but only for the extraction. Not medications or anaesthetic.
Alternative treatment (complimentary medicine)- physiotherapy, hydrotherapy, acupuncture, homeopathy, herbal medicines,
Breeding, Fertility, Pregnancy- are not covered.
Medical devices- reasonable charges towards medical devices are covered.
Lost/Stolen Pet -Advertising to find pet if lost/stolen/strays, also will pay for replacement cost. For theft, house must have proven forcible entry.
Third party liability(dogs only) - several exclusions- does not include damage or death to you, your property or someone taking care of your dog. Also does not include your pets interaction with other pets and resulting damage or fines etc that result from your dog being on the dangerous dogs act. (read fine print for more info)
Accidental Damage- yes- But, does not include: damage to motor vehicle or contents, if pet left unattended, damage due to vomit, defecating or urine, property owned by you or a member of your family or helps to take care of the pet.
Grooming and Bathing- is not covered.
Pet food, Nutritional supplements, vitamins, natural remedies- are not covered.

Insurance Helplines coverage chart.

Animal Friends Insurance does not have any ‘special phone lines’. They only have the main line but most of our Claims Team are ex vet nurses or have previous insurance back ground so are very good at dealing with these problems.

All plans with Animal Friends Insurance
Bereavement counselling-
Vet finder-
Pet legal-
Pet minder-
Bereavement counselling-help you deal with death/illness of pet.
Vet Finder- -help you find local vet if away.
Pet legal- information on pet legal matters.
Pet minder-help you find a local pet sitter.

Some Common Questions:

Lifetime insurer (will they cover on going conditions throughout pets life) ?
Yes, for superior, superior plus and prestige, your pet will be covered for he same condition through out it’s life upto the maximum year and policy benefit (which are quite high, so unlikely to be met)

If you want to better understand Lifetime Pet Insurance, check out this page!

Are Congenital conditions covered with Animal Friends Insurance?
Are covered as long as it’s not a pre-existing condition.

Multiple pet discount with Animal Friends Insurance

Any vet or specific vets only? After hours vets or in home vets?
You can go to your regular vet. However, you can only go to out of house/ off hours vets for life saving situations only.

Can the vet be paid directly?
Yes. (or not, you choose)

If not, How quickly are claims processed with Animal Friends Insurance?
You can pay the vet first, or you can have the vet paid

Do you cover examination fee (if it relates to the injury or illness) ?
Their response “We will look to cover the exam fee as long as it relating to the particular problem”.

All breeds?
NO- will not insure dogs under the Dangerous Dog Act:Pit Bull TerrierJapanese Tosa / Tosa InusDogo Argentino (also referred to as Argentine Dogo and Argentinian Mastiff)Fila Brasileiro

Also, Animal Friends Insurance will not insure: American Bandogge/Bandogge MastiffAmerican/Irish Staffordshire Bull TerriersCanary Dogs/Perro De Pressa Canarios/Presa CanariosCane CorsosCzechoslovakian Wolfdogs/Sarlooswolfhounds/ Wolf HybridsKorean JindoNorthern Inuit DogsRacing GreyhoundsShar PeiUtonagan

Dangerous Dog Act?
Will not insure dogs under this act.

Do I stop getting coverage as my dog ages?
No, your dog will continue to get coverage as it gets older.

Does age affect monthly price (as my dog gets older will the monthly premium go up) ?
The monthly price increases each year slightly (see next question).

Do they put the monthly price up every year? By how much?
In the past, we have put the monthly fee up by 4-5% (they claim it is less than other companies)

Does Animal Friends Insurance serve all of the UK? Is the monthly amount more depending on where I live?
Yes, vet fees around London are higher, so the monthly amount is higher, conversely, the monthly amount is less if the vet fees are lower in the area.

Waiting period?
14 days for illness.

Do rates increase with more claims/penalized for filing more claims?
They can increase with more claims. Their exact words: ‘It is possible for premiums to increase owing to the amount of claims made but this is calculated on an individual basis.’

Maximum lifetime claim amount?
Yes. See the charts.

What is the co-pay?
Animal Friends Insurance has a 35% Co-Payment scheme for pets over 8yrs old. This has been introduced to help them keep premiums low.

Extras included with Animal Friends Insurance?
Burglary award- You will get an award if your dog catches a burglar leading to conviction.Transport costs – to a specialist if your vet recommends it (first visit only, other visits must be agreed by insurer),Personal costs- if you have to take time off work if you are bitten by your pet.

Dog walker- 100 for superior, superior plus and prestige.

Money back guarantee?
Within 14 days cancellation is allowed.

What they don’t cover - claims that are directly or indirectly related to:
• Pets under 5 weeks old.
• Pre-existing conditions.
• No coverage for activities that result from: gun or hunting dogs, or pets that are used for trade or business.
• Treatment not recommended by a vet.
• Costs from your pets poor behaviour or vicious tendencies.
• Costs without a receipt.
• Treatment due to your pet being overweight.
• Will not insure dogs that are a breed under the “Dangerous Dogs act 1991 or Dangerous dogs act 1991(Northern Ireland)”
o These dogs include: Pit Bull Terrier, Japanese Tosa, Dogo Argentino, Fila Brasileiro and pets described similar in type and characteristic. They may not even be of this breed, but if they’re described to be the same.
o This is described as a type and characteristic, NOT breed, meaning any dogs that have characteristics as the above breeds.

Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.

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