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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.
Why choose us?

We have over 20 years experience

Animal Friends Pet Insurance was founded in 1998, exclusively providing pet insurance for over 20 years

Founded to support animal charities

Founded with the sole aim of providing pet insurance as a means to help support animal welfare charities

The ethical choice

To date we have donated over £5.6 million to over 500 animal welfare charities worldwide

Friendly UK-based team

We are ready to help, we are all animal lovers


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.

We do not cover any pre-existing conditions that your dog currently has or was treated for in the past.

Accident Only

  • 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.
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Find out more about our

Accident Only policy

Time Limited

  • 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.
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Find out more about our

Time Limited policy

Max Benefit

  • 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.
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Find out more about our

Max Benefit policy


  • 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.
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Find out more about our

Lifetime policies

Pet insurance premiums increase as your pet gets older, as the chance of your pet 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 or your cat turns 10.

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.

We believe that you shouldn’t choose cheap dog insurance based on price alone, as this may leave you with a low level of cover that isn’t sufficient for your requirements.

We have a range of policies with cover for vet fees ranging from £1,000 to £6,000 depending on the chosen plan. Many of our policies also include extra benefits such as Public Liability, Theft and Straying and Holiday Cover - providing extra protection and assistance to complement your cover limit.

So whether you need to insure your puppy, or are looking for pet insurance for older dogs, Animal Friends can cater for your dog’s requirements and your budget.

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Need some help?

Check out our FAQS and handy glossary to help you understand more about pet insurance.

Policy wording

Full policy summaries including what's covered, what's not covered, policy limits and policy wording definitions.

What our customers are saying!

Our pet insurance awards