If you are struggling financially due to COVID-19 then please call us on 0344 557 0300 or visit our FAQS.

Dog insurance

  • Cover vet fees up to £6000
  • Free 24/7 vet video consultations
  • Every policy you buy helps us support animal charities
  • Your vet can claim online on your behalf.

Our policies

We have 5 types of dog insurance policies, including 2 options for Lifetime, each with different levels of cover for the cost of vet fees.

Covers accidents, illness and conditions year after year, up to your chosen cover limit, as long as the policy remains active.
Limits refresh when you renew your policy each year.

There are 2 types of Lifetime policies:

1. Where each condition has a yearly condition limit. Choose a condition limit of £1,000, £2,000, £4,000 or £6,000.

2. Where there is one yearly limit for all claims. Choose a yearly limit of £3,000 or £5,000.

Cover for accidents, illnesses and conditions that last up to 12 months, from when the symptoms started, or until the condition limit is reached.

After 12 months, no futher cover will be provided for that specific condition and you will need to pay for further vets fees yourself. However, you can claim for any new accidents, illnesses or conditions.

Choose a condition limit of £1,000, £2,000 or £4,000.

There is also a yearly limit for all combined claims. Once reached, cover stops for all claims until the next policy year.

Cover for accidents, illnesses and conditions up to your chosen condition limit, whilst the policy remains active.

When the limit for each condition is reached, you will not be able to claim for that condition again.

Choose a condition limit of £1,000, £2,000 or £4,000.

There is no limit to how many times you can claim for different conditions.

Covers vet fees for accidents.

Does not cover illnesses, conditions or have any other benefits.

Covers £2,500 per accident per year.

There is also a lifetime limit of £15,000 for continuing treatment related to each accident as long as the policy remains active.

Pet insurance premiums increase as your dog gets older, as the chance of your dog getting ill increases. Excesses apply to all our policies and a co-payment is currently payable on claims, if you renew your policy after your dog turns 8.

What you also get with Animal Friends.

  • Free vet consultation video consultations through the Joii app, 24/7.
  • Access to PupStart, our online support for owners with puppies.
  • You’ll be helping us to support animal causes across the world.
  • Your vet can claim online on your behalf, so there’s no paper work to complete.
  • Cover from an award winning pet insurance provider with over 20 years of experience.
Start My Quote Excluded breeds list

Please note that pre-existing conditions aren’t covered, unless they have been treatment and symptom free for more than 2 years.

We consider a condition to be pre-existing if your dog showed any signs or symptoms of it before your cover start date, whether they needed treatment previously or not.

Free vet video consults for your dog or cat 24/7/365 through the Joii app

As an Animal Friends customer, you have access to:

  • Free video consults with a vet or nurse on your phone or tablet
  • A tailored symptom checker to find out what the problem is and what to do next
  • Get treatment plans and products delivered to your door.
Find out how to get free access

How much cover do you need?

It is vital that you choose a cover level that is appropriate for both your dog and your budget. This way, should the worst happen to your canine friend, you can ensure that you are prepared…

Find out how much vet fees may cost

Already insured elsewhere?

We will cover you immediately when switching from another provider to Animal Friends. We have friendly teams manning the phones, chat facility and email, ready to support you with any help or information you may need.


Learn more

Do you cover dental accidents?

Many pet insurance companies do not cover any dental or gum treatment. Our Prestige and Assure Plus policy may cover dental and gum treatment if it was a direct result of an accident or injury.

What our customers are saying!

Our pet insurance awards