Animal Friends Pet Insurance - www.animalfriends.co.uk – Questions & Answers

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Asked by james.webb897 on 5th June 2019 Report this content
Is dental treatment covered?

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Answers (2)
Report this content disneyholic Written on: 05/06/2019
it wasnt covered on my policy when my dog had teeth out
Report this content Tracie118 Written on: 05/06/2019
No, it isn’t !! Found this out when my cat needed a tooth out. I have found that Not many animal insurance cover dental work .... so read the small print.
Asked by Janet2301 on 9th July 2018 Report this content
I have an 8 year old epileptic labradoodle, can she be insured with them?

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Answers (4)
Report this content DallySpot Written on: 10/07/2018
Hi we have a 5 yr old Dalmatian who has epilepsy which she developed last year. We had only had our policy for 7 weeks before it developed but AF cover the condition and our renewal this year had only slightly increased so we are more than happy with how we are treated by great customer service.
Report this content PercyPumpkin Written on: 10/07/2018
Hi, Usually with all insurance companies any existing complaint at the time you take out a new policy will not be covered. If you are already with an insurance company when a pet develops a new illness then you'll be covered. I hope that helps.
Report this content GingerD Written on: 10/07/2018
If your dog has already been diagnosed with epilepsy I’m sure if this is covered. It might, however, be well worth a phone call to them just to enquire. They are very helpful.
Report this content Feebz Written on: 10/07/2018
I am not sure what Animal Friends policy is, on pre-existing medical conditions, I am sure if you ask them they would be able to answer. I have always found them very helpful when ~I~'ve either phoned or emailed.
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Asked by meforsyth on 3rd January 2017 Report this content
How do I renew a policy?

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Answers (7)
Report this content abstractive Written on: 03/01/2017
Although they do contact you, I call animals friends just before the policy expires. You should tell them if you require any changes to your cover for the next year. It is well worth having the lifetime cover, which covers any condition you claim for, for life.
Report this content Gazza135 Written on: 03/01/2017
I've been with them for a number of years and every time I get an email about a month before renewal with details of the policy and the following years premium. Unless there are any changes dont have to do anything and it continues
Report this content GingerD Written on: 03/01/2017
I pay by direct debit and it is automatically renewed each year. I'm sure they will contact you if you paid the premium all at once too. Hope this helps!
Report this content BSF1962 Written on: 03/01/2017
You should receive an email from them before the renewal date.. If you wish to continue the policy then you won't need to do anything
Report this content flossiesdoll Written on: 03/01/2017
Pretty sure mine just renewed automatically. They do send an email but nothing had changed so I just let it renew.
Report this content StephanieCoote Written on: 03/01/2017
I am very disappointed in Animal Friends pet insurance. READ THE SMALL PRINT. I feel I have been misled. After taking out a policy with a £20,000 cover for "all eventualities" I now find it is only £2,000 for accident. My cat was hit by a car and was in a Vet Hospital for 2 weeks total bill £6,000. Waste of time using this insurance company. Look elsewhere.
Report this content kathleenwilson Written on: 03/01/2017
They should contact you about a month prior to your policy expiring, either by post or email. If you haven't had anything, check your spam email box, that's where my email ended up. Alternately you can phone or email them, or log in on their website to update or renew your policy.
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Asked by Janetfinn on 20th March 2016 Report this content
If my dog had to be put to sleep, do Animal Friends Pet Insurance pay for that? It's not cheap.

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Answers (5)
Report this content phil_craig Written on: 22/03/2016
Unless over the age of 8, or due to behaviour changes of fiscal changes then I believe they will pay this yes.
Report this content gaz999 Written on: 22/03/2016
Best to just ring them and ask to be certain.
Report this content monet208 Written on: 22/03/2016
Read the small print carefully with this company
Report this content flossiesdoll Written on: 23/03/2016
Have a look at the policy information - it's all in there
Report this content DallySpot Written on: 10/07/2018
Hi our Zooby died last year and they paid for it but they won't pay for cremation etc. We got a lovely letter of condolence too which was a nice touch
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Asked by Lizmal on 5th January 2016 Report this content
Do they have a for life plan insurance for dogs?

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Answers (7)
Report this content BSF1962 Written on: 05/01/2016
They do a policy which covers an illness or condition up to a limit per year. This limit is reset at renewal each year. Hope this helps.
Report this content Tigger47 Written on: 05/01/2016
Our Lifetime policies for pets will also provide cover for veterinary fees you incur if your dog has an accident or falls ill. Lifetime means that any one illness or condition is covered year after year up to a limit per condition that ‘refreshes’ annually upon renewal.
Report this content flossiesdoll Written on: 05/01/2016
I don't know, but their website sets out all the policies very clearly so you should be able to find out easily.
Report this content km1963 Written on: 05/01/2016
They do yes. Our dog is 16 and is on 2 lifelong medicines. We claim for all his treatment which has been very costly and at renewal the premium only went up £1 a month. They really are very good and pay out promptly. Would definitely recommend them.
Report this content MillieAndMe Written on: 06/01/2016
Can't give you any differing info from the answers which have already been submitted! You can choose which limit to go for, I'm glad I went for the higher one as my oldie has just had a splenectomy which didn't come cheap, especially with the follow up monitoring.
Report this content monet208 Written on: 06/01/2016
If you are considering any policy with this Company please check the small print word by word as you could find your claim refused as we did for over £400 ! ( is dental care not covered ) Our pet died and the Company were totally heartless quoting the small print to get out of paying our vet ! With a lifetime policy check if anything is excluded as the pet gets older as that is when expensive vets bills are more likely Also check is there is a yearly claim limit whether it is for one condition or several and what the limit would be each year as the pet gets older Just be very careful with this company as there are many negative reviews
Report this content monet208 Written on: 22/03/2016
Just read the small print very carefully with this company as there is a lot they have limits on,such as tests and watch their exclusions. We wish we had never left Pet Plan
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Asked by Gemb31 on 4th June 2014 Report this content
I have got life time cover for my dog, should I get renewed paper work every year or keep the same one?

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Answers (5)
Report this content MrsGrumpytoo Written on: 04/06/2014
Life time cover means that if your dog gets an ailment which needs treatment for the rest of his/her life, the policy will pay for it (up to the amount your cover is for) as long as you are still insured with them. You still need to renew your policy annually and will be sent a reminder at renewal time. Just the same as any other insurance eg car, house etc If your pet does develop a "life time" problem, you would have to stay with your insurer because if you tried to move to another insurance company they do not cover any pre-existing conditions. So say your pet developed diabetes - your existing policy will pay for the drugs and treatment but if you then move to another insurer, they will cover him but not for diabetes. This is standard practice. So life time cover is not about the policy but about payment for treatment. I have to admit the concepts are confusing, I was struggling to understand which policy I needed but boy! Am I glad I opted for a policy with lifetime cover. Hth
Report this content pip0001 Written on: 05/06/2014
Agree with MrsGrumpytoo. If you have had a claim you will need to stay with the existing insurance company as a new insurer will either exclude the pre existing condition or load up the premium. If no claims made then shopping around for another insurer could save some money, but the devil you know!
Report this content theanswer Written on: 05/06/2014
You will receive a renewal pack in advance of each anniversary date which will include your policy document, Key Facts information and Policy Schedule. This will be emailed to you if you have provided your email address otherwise it will be posted.
Report this content Ingress Written on: 06/06/2014
I agree with MrsGrumpytoo and pip0001. You will still need to renew your policy each year so would get new papers. If you don't make a claim have a look around to see if you can save money.
Report this content monet208 Written on: 22/03/2016
Just read the small print very carefully with this company as there is a lot they have limits on,such as tests and watch their exclusions. We wish we had never left Pet Plan
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Asked by deimanteb on 10th March 2014 Report this content
Do they cover teeth problems?

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Answers (6)
Report this content mmullin Written on: 11/03/2014
Cover for dental is, I believe, a common exclusion for all pet insurers. As the previous answer says, damage to teeth due to an accident is a different matter. Check your wording.
Report this content tinachaney Written on: 11/03/2014
Not sure to be honest, my advise to you is to get whatever they say they will cover in writing!
Report this content MartynBULL Written on: 11/03/2014
Our dog had an issue with her gum line requiring laser treatment as they were growing over her teeth. Animal NOTFriends wouldn't payout. They said it was cosmetic, even thought the Vet said it was necessary. I told them to stick their policy and promptly cancelled. They also refused to pay for treatment of an ulcer to her eye because she'd had the other eye treated the year before. I argued it was the other eye, but all they kept saying was, "It's bi-lateral".  Please take my advice...Don't insure with A.F.
Report this content theanswer Written on: 18/03/2014
Animal Friends Insurance do not cover routine dental treatment in keeping with the rest of the pet insurance industry. Some of their covers to cover accidental damage to teeth and I would strongly recommend that you contact Animal Friends Insurance direct and discuss your needs with the experts.
Report this content slobberedon Written on: 19/03/2014
Prestige level covers damage due to dental accidents only and then only if your pet has had a health / dental check within 12 months. All other conditions of the teeth and gums are excluded (including mouth tumours!?). All lower policy levels explicitly exclude ALL dental and gum conditions. As Mmullin has stated this is a common exclusion.
Report this content monet208 Written on: 22/03/2016
We found out after treatment the answer is NO Just read the small print very carefully with this company as there is a lot they have limits on,such as tests and watch their exclusions. We wish we had never left Pet Plan
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