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Animal Friends – Our Verdict

Animal Friends Review RatingWe have given Animal Friends a rating of 3.2/5.  Here we explain how we arrived at this rating and why Animal Friends didn’t score 5/5!

Many organisations unfortunately do not reveal how they reach their rating.  We are doing so because our aim is to provide you with as much information about pet insurance policies as we can and so you can make your own judgement. 


Policies 3/4
Benefits and Small Print 1/3
Renewal Premiums 2.5/3
Customer Satisfaction 2/3
Excess and Contribution 1/2
Total out of 15 9.5
Star Rating out of 5 3.2



Animal Friends have a good range of policies including lifetime policies with reasonably high levels of cover.  However the Basic, Prime, and Prime Plus policies have more than one type of limit which some pet owners may find confusing.   

Benefits and Small Print  

While Animal Friends’ policies include cover for euthanasia,  they don’t include cover for the cost of any prescription food and only the Prestige policy pays for any dental treatment (which is only for dental treatment required for accidental injuries).   

Death/Loss benefits are based on the market value of your pet rather than the purchase price.   They are also subject to a sliding scale which means you receive less than the market value for pets who are between 1 and 7 years and nothing at all for pets who are 8 years and older. 

We did find many non-standard exclusions in the Animal Friends’ small print including reduced death benefits,  control terms, and additional exclusions. 

Renewal Premiums

Our findings indicate that Animal Friends generally have a reputation for reasonable premium increases.   We have though heard of a couple of cases recently where pet owners received huge increases in premiums after pets have developed serious ongoing conditions – hopefully these are isolated cases.

Customer Service 

Our research suggests that the majority of Animal Friends’ customers are generally happy with the policy and service they receive although, it is probably fair to say that they have more than their fair share of negative comments on review sites and social media.  Most of the negative reviews we have found about Animal Friends are about misunderstandings regarding the small print.  More about Animal Friends’ customer reviews.

Excess and Contribution

The fixed excess is high at £99.  ( The average across all pet insurance providers is about £75-£80).    You do not though have to pay a percentage of the vet fees until your pet is 8 years old. 

More Information

More About Animal Friends


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