Animal Friends is a pet insurance provider based in Amesbury, Salisbury.

Animal Friends Pet Insurance was founded by Elaine Fairfax in 1998 with the sole aim of providing pet insurance as a means to help support animal welfare charities.

Its pet insurance is underwritten by Red Sands Insurance.

Our customer experience ratings
Our product ratings

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Pet insurance

39 products reviewed

Cat insurance

18 products reviewed

Lifetime £10,000
Lifetime £18,000
Max Extra
Superior Plus
Prestige
Lifetime £4,000
Lifetime £5,000
Prime Plus
Lifetime £3,000
Prime
Max Plus
Superior
Lifetime £2,000
Accident Only
Basic Plus
Max Value
Super
Lifetime £1,000

Animal Friends

Lifetime £10,000

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, annual
Medical cover limit	£10,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£10,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Animal Friends

Lifetime £18,000

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, annual
Medical cover limit	£18,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£18,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Animal Friends

Max Extra

Feature	Value
Medical excess	£69.00
Type of cover	Maximum benefit, condition
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	N/A
Lifetime policy limit	£4,000.00
Lifetime condition limit	N/A

Animal Friends

Superior Plus

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, condition-based
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£4,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Animal Friends

Prestige

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, condition-based
Medical cover limit	£6,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£6,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Animal Friends

Lifetime £4,000

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, annual
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£4,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Animal Friends

Lifetime £5,000

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, annual
Medical cover limit	£5,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£5,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Animal Friends

Prime Plus

Feature	Value
Medical excess	£69.00
Type of cover	Time-limited
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	No
Annual policy limit	£10,000.00
Annual condition limit	£4,000.00
Lifetime policy limit	N/A
Lifetime condition limit	N/A

Animal Friends

Lifetime £3,000

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, annual
Medical cover limit	£3,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£3,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Animal Friends

Prime

Feature	Value
Medical excess	£69.00
Type of cover	Time-limited
Medical cover limit	£2,000.00
If renewed, are existing conditions covered?	No
Annual policy limit	£7,000.00
Annual condition limit	£2,000.00
Lifetime policy limit	N/A
Lifetime condition limit	N/A

Animal Friends

Max Plus

Feature	Value
Medical excess	£69.00
Type of cover	Maximum benefit, condition
Medical cover limit	£2,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	N/A
Lifetime policy limit	£2,000.00
Lifetime condition limit	N/A

Animal Friends

Superior

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, condition-based
Medical cover limit	£2,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£2,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Animal Friends

Lifetime £2,000

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, annual
Medical cover limit	£2,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£2,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Animal Friends

Accident Only

Feature	Value
Medical excess	£69.00
Type of cover	Accident-only
Medical cover limit	£2,500.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£2,500.00
Lifetime policy limit	N/A
Lifetime condition limit	£15,000.00

Animal Friends

Basic Plus

Feature	Value
Medical excess	£69.00
Type of cover	Time-limited
Medical cover limit	£1,000.00
If renewed, are existing conditions covered?	No
Annual policy limit	£4,000.00
Annual condition limit	£1,000.00
Lifetime policy limit	N/A
Lifetime condition limit	N/A

Animal Friends

Max Value

Feature	Value
Medical excess	£69.00
Type of cover	Maximum benefit, condition
Medical cover limit	£1,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	N/A
Lifetime policy limit	£1,000.00
Lifetime condition limit	N/A

Animal Friends

Super

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, condition-based
Medical cover limit	£1,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£1,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Animal Friends

Lifetime £1,000

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, annual
Medical cover limit	£1,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£1,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Dog insurance

18 products reviewed

Lifetime £10,000
Lifetime £18,000
Prestige
Lifetime £5,000
Max Extra
Superior Plus
Prime Plus
Lifetime £4,000
Max Plus
Superior
Lifetime £2,000
Lifetime £3,000
Prime
Max Value
Super
Accident Only
Basic Plus
Lifetime £1,000

Animal Friends

Lifetime £10,000

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, annual
Medical cover limit	£10,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£10,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Animal Friends

Lifetime £18,000

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, annual
Medical cover limit	£18,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£18,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Animal Friends

Prestige

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, condition-based
Medical cover limit	£6,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£6,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Animal Friends

Lifetime £5,000

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, annual
Medical cover limit	£5,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£5,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Animal Friends

Max Extra

Feature	Value
Medical excess	£69.00
Type of cover	Maximum benefit, condition
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	N/A
Lifetime policy limit	£4,000.00
Lifetime condition limit	N/A

Animal Friends

Superior Plus

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, condition-based
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£4,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Animal Friends

Prime Plus

Feature	Value
Medical excess	£69.00
Type of cover	Time-limited
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	No
Annual policy limit	£10,000.00
Annual condition limit	£4,000.00
Lifetime policy limit	N/A
Lifetime condition limit	N/A

Animal Friends

Lifetime £4,000

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, annual
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£4,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Animal Friends

Max Plus

Feature	Value
Medical excess	£69.00
Type of cover	Maximum benefit, condition
Medical cover limit	£2,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	N/A
Lifetime policy limit	£2,000.00
Lifetime condition limit	N/A

Animal Friends

Superior

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, condition-based
Medical cover limit	£2,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£2,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Animal Friends

Lifetime £2,000

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, annual
Medical cover limit	£2,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£2,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Animal Friends

Lifetime £3,000

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, annual
Medical cover limit	£3,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£3,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Animal Friends

Prime

Feature	Value
Medical excess	£69.00
Type of cover	Time-limited
Medical cover limit	£2,000.00
If renewed, are existing conditions covered?	No
Annual policy limit	£7,000.00
Annual condition limit	£2,000.00
Lifetime policy limit	N/A
Lifetime condition limit	N/A

Animal Friends

Max Value

Feature	Value
Medical excess	£69.00
Type of cover	Maximum benefit, condition
Medical cover limit	£1,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	N/A
Lifetime policy limit	£1,000.00
Lifetime condition limit	N/A

Animal Friends

Super

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, condition-based
Medical cover limit	£1,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£1,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Animal Friends

Accident Only

Feature	Value
Medical excess	£69.00
Type of cover	Accident-only
Medical cover limit	£2,500.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£2,500.00
Lifetime policy limit	N/A
Lifetime condition limit	£15,000.00

Animal Friends

Basic Plus

Feature	Value
Medical excess	£69.00
Type of cover	Time-limited
Medical cover limit	£1,000.00
If renewed, are existing conditions covered?	No
Annual policy limit	£4,000.00
Annual condition limit	£1,000.00
Lifetime policy limit	N/A
Lifetime condition limit	N/A

Animal Friends

Lifetime £1,000

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, annual
Medical cover limit	£1,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£1,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Horse insurance

3 products reviewed

Time Limited £5,000
Time Limited £7,000
Time Limited £3,000

Animal Friends

Time Limited £5,000

Feature	Value
Vet fees per incident	£5,000.00
Vet fees per period of insurance	£0.00
Vet fee excess	£199.00
Lowest age covered (days)	365 days
Highest age at policy start date (years)	40 years
Covers both injury and illness?	Both

Animal Friends

Time Limited £7,000

Feature	Value
Vet fees per incident	£7,000.00
Vet fees per period of insurance	£0.00
Vet fee excess	£199.00
Lowest age covered (days)	365 days
Highest age at policy start date (years)	40 years
Covers both injury and illness?	Both

Animal Friends

Time Limited £3,000

Feature	Value
Vet fees per incident	£3,000.00
Vet fees per period of insurance	£0.00
Vet fee excess	£199.00
Lowest age covered (days)	365 days
Highest age at policy start date (years)	40 years
Covers both injury and illness?	Both

Our unique Customer Experience Ratings help consumers find companies that offer a good service.

Pet insurance

Ranked 5th of 29 providers reviewed

Customer happiness score	58.67%
Customer trust score	54.94%
Complaints performance	82.47%
Transparency rating	88.88%
Fairer Finance Score Reviewed Autumn 2026	71.24%

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Animal Friends

Pet insurance

Cat insurance

Animal Friends

Lifetime £10,000

Animal Friends

Lifetime £18,000

Animal Friends

Max Extra

Animal Friends

Superior Plus

Animal Friends

Prestige

Animal Friends

Lifetime £4,000

Animal Friends

Lifetime £5,000

Animal Friends

Prime Plus

Animal Friends

Lifetime £3,000

Animal Friends

Prime

Animal Friends

Max Plus

Animal Friends

Superior

Animal Friends

Lifetime £2,000

Animal Friends

Accident Only

Animal Friends

Basic Plus

Animal Friends

Max Value

Animal Friends

Super

Animal Friends

Lifetime £1,000

Dog insurance

Animal Friends

Lifetime £10,000

Animal Friends

Lifetime £18,000

Animal Friends

Prestige

Animal Friends

Lifetime £5,000

Animal Friends

Max Extra

Animal Friends

Superior Plus

Animal Friends

Prime Plus

Animal Friends

Lifetime £4,000

Animal Friends

Max Plus

Animal Friends

Superior

Animal Friends

Lifetime £2,000

Animal Friends

Lifetime £3,000

Animal Friends

Prime

Animal Friends

Max Value

Animal Friends

Super

Animal Friends

Accident Only

Animal Friends

Basic Plus

Animal Friends

Lifetime £1,000

Horse insurance

Animal Friends

Time Limited £5,000