Renewing your policy

This policy is a 12-month contract of insurance that can be paid annually or monthly.

You can cancel your policy at any time by calling us on: 0344 557 0300, Monday to Friday, 9am to 5pm. You can also cancel by speaking to us on Live Chat or by emailing: info@animalfriends.co.uk.

We cannot cancel a policy without the policyholder’s permission.

If you cancel your policy within 14 days of your policy start date and we haven’t paid a claim, we’ll give you a full refund. If you cancel after 14 days of your policy start date and we haven’t paid a claim, we’ll refund you for any time left on your policy.

If we’ve paid any claims for something that happened in this policy year, you must pay the remaining premiums for the rest of the policy year, which is shown in Your Schedule.

For more information about cancelling your policy, please see the 'Cancelling your policy' section of your Policy Booklet.

You will receive your renewal documents, including your new price and any changes to the terms and conditions of your cover, approximately three weeks before your policy renewal date. You must read all of your policy documents carefully to make sure the cover still meets your needs.

If you pay by monthly Direct Debit, OR you have paid annually on your credit card and agreed to Continuous Payment Authority (CPA), your policy will renew automatically unless you tell us otherwise.

If you have paid annually and not agreed to CPA then you will need to make a payment for your cover to continue. You can do this in your online account or by contacting us on 0344 557 0300, Monday to Friday, 9am to 5pm.

Several factors are used to work out the price each year, including the age of your pet or horse, previous claims and the cost of vet fees. This means that your policy price is likely to increase at renewal even if you haven’t made a claim. There is no limit to how much your premium may increase each year, and the increase could be significant.

If you pay for your policy annually with a credit or debit card, your renewal payment can be completed through your online Animal Friends account by clicking the 'Renew Now' button displayed under the 'My policies' section.

The policy type and excess you select will affect the price you are given. As an existing Animal Friends customer, we may have more accurate and up-to-date information on your pet, so it is possible that what you’ve seen is not an identical policy. Please make sure that when making any comparisons you take these details into consideration.