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Animal Friends: Pet insurance reviews

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4.66
Based on 644 reviews, last reviewed 2nd Oct 2025
400% increase in 5 star reviews
in the past 90 days
200% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
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6%
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Latest highest rating:

5

Helpful, friendly and easy to understand information... Helpful, friendly and easy to understand information and policies. Reviewed on: 2nd October 2025
Victoria S's avatar
Victoria S

Latest lowest rating:

1

£50 a month premium got me £11 back on a £491 claim Be very very careful of the small print. Our dog had to be put down due to old age. Let me be clear that no amount of money could replace her. We didn... Read more Reviewed on: 29th September 2025
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MP
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About this product

Animal Friends Pet Insurance offer policies to cover dogs, cats and horses.

Your vet can submit your claim and Animal Friends will pay them directly. There’s an online account to help manage your policy and claims on the go and you get access to exclusive discounts and offers.

Animal Friends Pet Insurance reviews help you find out what it’s really like to be a customer. If you’ve used Animal Friends Pet Insurance before, you can also leave a review and share your experience.

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Animal Friends Pet insurance reviews (644)

Supportive during a difficult time

5
Animal Friends were supportive whilst our cat was undergoing treatment and, when we sadly lost her, helped us work out what our policy entitled us to, financially. Easy to talk to, the advisors knew the products inside out. Reviewed on: 2nd March 2021
Sarah Keery's avatar
Sarah Keery

Steer clear please!

1
Yes, if your pet does more than breathe before you took out your policy it will be “a pre existing condition or clinical sign” don’t be fooled.... I only gave 1 star so I could leave a review, a minor cough, some minor diarrhoea, minor ear infection, common urinary infection, bout of sickness, a limp....they will literally find any excuse to not pay out... apparently they’ve advised me you have to tell them every time you have been to the vets which isn’t part of their annual vaccination? They will then add a clause to your policy that anything! And I mean anything linked to that vet visit isn’t covered.... so a cough, diarrhoea, sickness...you name it, they won’t for example cover ‘digestive’ related problems in the future. Now I’m a reasonable person, I have 4 dogs and have only ever made a claim on pet insurance twice in ten years (obviously NOT with this ridiculous company) my dog who’s nearly ten had a common UTI over 6 months ago which cleared up after 3 days with antibiotics, no issues since, she was rushed in as an emergency 6 months later as she couldn’t urinate, she had surgery which removed 50 tiny stones from her bladder, an overnight stay and a bill of £2500.... very relieved to say she’s doing great! However they are trying to link a common UTI which occurs commonly in older female dogs and is stated in veterinary research that a uti can be a sign but cannot be solely relied upon to diagnose bladder stones... I have undertaken much research and sought advice from numerous vets who confirm a common uti could not be linked to these bladder stones 6 months later without her suffering some sort of urinary issues during the past 6 months, it’s not possible.... my advice is, if you are considering changing your policy to this company do not expect them to pay out if your beloved pet unfortunately needs veterinary treatment because they scrutinise your pets medical history and find something to link it to. I can’t bare to think how many pets have suffered and been put down due to this unscrupulous companies decisions and heartbroken owners who can’t afford to pay because they won’t cover the cost... don’t do it! I have made a complaint to the financial ombudsman, which by the way costs you nothing and is easy to do, however due to the current climate this may take some time.... I have one of the more expensive lifetime policies which obviously means nothing, I’ve made my complaint to them and they have given their ‘final decision’ so the battle goes on..... Just don’t do it please! Reviewed on: 13th November 2020
Cat Shanahan's avatar
Cat Shanahan

Keeping my cats covered

5
Great prices and decent cover options for my three cats that gives me peace of mind. They're always easy to contact and the website is fab. Great experience overall. Reviewed on: 18th September 2020
Eleanor Rose Parker's avatar
Eleanor Rose Parker

Shocking - just out to get money

1
Left animal friends as they refused to pay for treatment. They were no help with bereavement. The process is confusing. I'll never use it again. Reviewed on: 6th August 2020
Nikki's avatar
Nikki

Easy to deal with. Pay quickly

5
Every time I have had to deal with this company (and there have been a few) they have been superb and paid out quickly Reviewed on: 1st August 2020
Jenny's avatar
Jenny

No fuss pet insurance

5
Changed to this company about a year ago and wish I had done so sooner. Now enjoying lower premiums than my previous insurer plus a fast payout when making a claim. Reviewed on: 26th July 2020
Hayley Atkins's avatar
Hayley Atkins

Everything you need

5
They include everything you need and make it clear Reviewed on: 13th July 2020
Helen Markham's avatar
Helen Markham

Great Service

5
Very Good service, easy to contact, very reasonable prices Reviewed on: 29th June 2020
Caroline Standeven 's avatar
Caroline Standeven

More Like Animal Enemies

1
I feel they should be called 'Animal enemies'. Reading posts on here, it seems there is a pattern of not paying out..... Due to CoVid-19 our vets refused the groom our long-haired cats coat, advising I would have to do it. It got so bad the cat was in distress, so I tried to remove one large matted clump of fur which was hard to see & puss was struggling. I unfortunately caused an accidental wound requiring stitches from an emergency vets. Four nights later he had projectile vomiting and was dehydrafted so had to go back for more treatment. Believe it or not Animal friends refused both claims, saying they were linked, and that they don't cover 'grooming'. I've asked for a review saying it wasn't grooming, and the vets wrote 2 letters to them saying it was accidental injury in understandable but very unusual circumstances and emergency surgery was required, imploring them to cover the claim, but they won't change their opinion. I have now taken the time to read through all the policy paperwork and the policy with Animal friends does have some very unhelpful clauses. These include that under vets fees it states that if out of hours charges for vets fees are being contemplated, not only must a pre-authorisation be obtained but also that they will not cover out of hours charges unless the animal is in a life threatening condition. If one would assume that might not for instance include a broken leg or similar injury, I find it quite shocking that there terms could result in an animal suffering over a weekend needlessly. After this experience we will be looking elsewhere for insurance for our cat and I would advise anyone to read terms VERY carefully before selecting ‘Animal Friends’ who I do not believe are as friendly as they claim! Reviewed on: 22nd May 2020
kevin Claxton's avatar
kevin Claxton

Read ALL the small print

1
I have been with Animal Friends for 10 years and at first I was very happy with them. In the lat 12 months I have had to contact them twice once for my dog, who I have been paying for 10 years and they only paid a percentage of the cost. Second for my cat who I took to the out of hours vet which cost me £316.42 and even with a Superior Plus policy they paid me £70.95!!! They only pay for life threatening conditions. I believed it was or would have waited for my vet to open. She had severe diarrhoea and was floppy, I could see her going downhill fast. Read ALL the small print and then go with someone else. Reviewed on: 21st January 2020
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Elaine

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