Business Details
28 Years
experience
Emergency
services
Trusted Pet Insurance Services in the UK
Established in 1998, Animal Friends Insurance has dedicated over 25 years to providing UK pet owners with comprehensive insurance solutions. Our mission combines protecting pets with supporting global animal welfare, ensuring policies deliver both practical benefits and ethical impact. We offer tailored coverage for dogs, cats, and horses, including options for lifetime care, accident-only protection, and senior pets. Our innovative approach includes direct vet payments, 24/7 online vet support, and customizable excess levels to suit diverse budgets.As a multi-award-winning provider, we maintain authorization by the Financial Conduct Authority and prioritize transparency through clear policy terms and accessible customer service. Our commitment extends beyond insurance, donating millions to conservation charities and implementing sustainable business practices to protect ecosystems worldwide.
Services
Dog Insurance
Cat Insurance
Horse Insurance
Lifetime Coverage
Accident-Only Insurance
Senior Pet Insurance
Vet Fee Cover
Missing Pet Assistance
Dental Treatment Insurance
Complementary Therapy Coverage
Details
- Year established: 1998
Highlights and features
- 25+ years of specialized experience in ethical pet insurance
- Direct vet payments streamline claims processing for policyholders
- Customizable excess options from 69 to 249
- 24/7 online vet support for dog and cat owners
- Sustainable business practices aligned with conservation goals
Associations and certifications
- Financial Conduct Authority
What people say
Excellent customer service
Comprehensive coverage options
24/7 vet support
Ethical business practices
Straightforward claims process
Services
Lifetime Pet Insurance
Our Lifetime Insurance policies provide continuous protection for chronic and recurring conditions. Coverage includes vet fees up to 18,000, dental treatment, and behavioural therapy. Policies automatically renew to maintain protection for long-term health needs.
Accident-Only Insurance
This policy covers unexpected injuries with vet fee limits up to 1,000. Includes dental accident treatment and third-party liability protection. Ideal for budget-conscious owners seeking essential coverage.
Senior Pet Coverage
Tailored insurance for pets over 8 (dogs) or 10 (cats). Includes 20% co-payment for vet fees and covers age-related conditions. Available across multiple policy types with flexible excess options.
Missing Pet Assistance
Financial assistance for locating stolen or lost pets. Covers advertising costs and reward payments. Integrated with all lifetime policies and available as optional add-on for other coverage types.
Complementary Therapies
Coverage for physiotherapy and specialist treatments recommended by vets. Provides up to 3,000 for approved complementary therapies. Requires qualified practitioner involvement and prior veterinary approval.
Questions
What types of pet insurance policies do you offer?
We provide four policy types: Accident-Only, Time Limited, Max Benefit, and Lifetime coverage for dogs, cats, and horses.
How does the claims process work?
Vets can submit claims directly for payment, or owners pay upfront and claim reimbursement through our online system.
Can I insure an older pet?
Yes, we cover senior pets with adjusted terms including 20% co-payments for animals over 8 (dogs) or 10 (cats).
What additional benefits are included?
Benefits include 24/7 online vet consultations, customizable excess options, and direct payments to veterinary practices.
How are policy premiums calculated?
Premiums depend on pet age, breed, location, chosen coverage level, and excess amount selected during policy setup.
Do you support animal conservation efforts?
Yes, we donate millions annually to animal welfare charities and implement sustainability initiatives across our business operations.
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Reviews (7)
Jamie
Jun 23, 2022
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Getting pet insurance when we got our pup was the best thing we did. We've unfortunately had to make 2 separate claims within a few weeks of each other in excess of 1500 and they have both been paid within a few days of making the claim. Anyone wanting to get insurance for your pet but unsure which company to go with I highly recommend animal friends get the best policy you can afford you can't go wrong :-
Sue Trimmer
May 09, 2022
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My dog has had a few surgeries and monthly injections for the past 3 years and I have found Animal Friends very efficient. They do direct claims which my vets put in for each time now, I just pay my bit after they have paid. This is hassle free. Not the best of cover out there but so far has been good value.
Karen Burgess
May 06, 2022
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I have been with Animal Friends for most of my dog's life and although there were only a couple of claims until recently, I have to say they have always been excellent to deal with. More recently I have had two larger claims as my dog is getting older and Animal Friends paid the claims without an issue. At one point I had to clarify some information over the telephone and the person I dealt with was lovely and considerate. We all know that our pets become part of our families and our lives and any illness is upsetting but I cannot fault Animal Friends for the way they have dealt with me and my claims.
Natalie Smith
Mar 11, 2022
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This insurance company have been fantastic. My dog is now 6 years old and throughout his life he has ended up with so many ailments. I've never known a dog like it. They've paid out and supported us throughout it all. Fantastic, easy to use service. I have now insured my horse with them since discovering they cover horses too. Would definitely recommend!
Steph Jones
Mar 05, 2022
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I have just had to make a 3rd claim with this company in the 6 years I have been with them with this pet, and the speed in the pay out and ease of the process always amazes me. I have not been let down by them once. I also had brilliant experience with my previous dog and this is why I retuned. I have now taken out horse insurance with animal friends. Unable to feedback on this so far apart from the helpful customer services when discussing changes in policy's
Kelly Jenkins
Mar 05, 2022
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Best prices compared to all pet insurers, especially for older pets like my 12 year old lab. Most pet insurers won't even insure older pets but they did, no problems with no ridiculous prices. I've been with them for years and wouldn't change. They always pay out on claims very quickly, I've never had any issues with them whatsoever. There's also the extra Joii app where you can speak to a vet 24/7 for free when you need help which I have used and they were great.
Rachel Hatton
Feb 22, 2022
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Took my cat to the emergency vets at the very start of December and had to submit a claim to Animal Friends. The vets decided to wait until the 30th January to submit the claim. Today I woke up to the claim amount in my bank. It took 22 hours for the claim to be investigated and accepted, and another 12 hours for the payment to be made which is incredible. The entire process was simple, easy and rapid. No issues whatsoever with Animal Friends. 10/10, would highly recommend.
