Pet Insurer of the Year 2024/25
Free 24/7 vet video consultations for cats and dogs
Over 25 years as pet insurance experts
Your vet can claim online on your behalf
94% of online vet fee claims processed within 5 working days*
*94.36% of Pawtal claims were processed within 5 working days. Claims received Jul-Dec 2024.
Are you an existing customer? Click here
Multi-award winning pet insurance
Our policies
We have 5 types of pet insurance policies, including two options for Lifetime, each with different levels of cover for the cost of vet fees.
Lifetime Annual Limit
- Cover from £1,000 to £18,000 per year.
- Claim up to a set amount for vet fees each policy year.
- Claim for as many conditions as you need to each policy year, as long as you stay within your vet fee limit.
- The limit resets when you renew.
- We’ll cover your pet’s conditions for as long as you have a policy with us.
- Get cover for dental illness or accident (up to £3,000) with our Lifetime £10,000 & £18,000. Or cover for tooth removal/gum repair if caused by an accident with Lifetime £5,000. Policy terms & conditions apply.
Lifetime Condition Limit
- Cover up to either £1,000, £2,000, £4,000 or £6,000 each year.
- Claim up to a set amount for vet fees per policy year for each condition your pet might have.
- Claim for as many conditions as you need to each policy year.
- The limit resets when you renew.
- We’ll cover your pet’s conditions for as long as you have a policy with us.
- Get dental cover for tooth removal or gum repair if caused by an accident with Prestige. Policy terms & conditions apply.
- Claim for as many conditions as you need to, as long as you stay within the vet fee limit for each condition.
- Claim up to a set amount for vet fees for each condition your pet might have.
- Once you reach the limit for a condition, you won't be able to make a claim for it again, even after you renew.
- Claim up to a set amount for vet fees for each condition your pet might have.
- Each new condition is covered for 12 months – as long as you renew your policy.
- The 12 months starts from the date your pet first showed signs or symptoms of the condition.
- Once you reach your vet fee limit – or after 12 months, whichever comes first – we won’t cover that condition anymore, even after you renew.
The annual limit in your schedule is the most we’ll pay in total each year for all conditions.
- £2,500 per year towards the cost of treating their injuries.
- The £2,500 limit applies to each accident your pet might have, and there’s no limit to the number of accidents you can claim for.
- Each accident also has a lifetime limit of £15,000 – as long as you renew your policy. So, you can make claims over multiple years if your pet needs long-term treatment for their injuries – up to the £2,500 annual limit.
It doesn’t cover you for any illnesses or diseases they might have.
Pet insurance premiums increase as your pet gets older. We use a number of things to work out your price each year. These include the age of the pet, where you live and the cost of vet fees. 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 years old or your cat turns 10 years old.
Why choose Animal Friends?
With over 25 years' experience, more than £9 million donated to support animal welfare, and over one million pets covered, customers choose Animal Friends for:
- Affordable, award-winning cover to suit you and your pet
- Free vet video calls 24/7/365 through the Joii app for dog and cat customers
- Every policy bought helps support animal charities and conservancies around the world
- Fuss-free claiming. Vets can claim on your behalf
- Expert advice and guides for you and your pet.
Need some help?
Check out our FAQS and Pet insurance terms explained to help you understand more about pet insurance.
