What types of pets does Animal Friends Insurance cover?
Animal Friends Insurance provides coverage for dogs and cats of all breeds and ages. They offer comprehensive pet insurance plans that include accident, illness, and wellness coverage options.

Animal Friends Insurance is a pet insurance provider that offers coverage for cats and dogs. The company provides policies designed to help pet owners manage veterinary costs for accidents, illnesses, and routine care. They typically offer various coverage levels and policy options to suit different pet care needs and budgets.
Animal Friends Insurance receives high praise for its hassle-free claims process and excellent customer service, with many reviewers noting the ease of navigating the website and the affordability of their policies. Customers appreciate the prompt responses and payments, often highlighting the company's commitment to caring for pets.
However, some consumers express frustration regarding policy costs, particularly for those with ongoing conditions, which can lead to increased fees over time. A few negative experiences mention difficulties with claims and customer loyalty when dealing with older pets. Despite these concerns, the majority of feedback reflects a positive sentiment towards the overall service and support provided. Overall, Animal Friends Insurance is viewed favorably by most customers.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
Why sources differ: Trustpilot rates this company 4.6, CrowdTrust 4.3. Trustpilot carries the most weight (55% of the score).
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.6 | 120 | 55% |
Monthly average rating from reviews written by people · latest review Nov 2025.
| Month | Average | Reviews |
|---|---|---|
| Jun 25 | 4.3 | 100 |
| Jul 25 | — | 0 |
| Aug 25 | — | 0 |
| Sep 25 | 4.6 | 60 |
| Oct 25 | — | 0 |
| Nov 25 | 4.7 | 60 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 220 most recent reviews.
“Prompt response and payment”
“My dog had a lump removed this year off his leg”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Animals & Pets.
| Company | Overall | Legit | Service | Value | Website & app | Trend | Reviews |
|---|---|---|---|---|---|---|---|
| 4.5 out of 5 (good) | 100 out of 100 | 4.6 out of 5 (good) | 3.9 out of 5 (good) | 4.8 out of 5 (good) | — | 220 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.8 out of 5 (good) | 4.6 out of 5 (good) | 4.5 out of 5 (good) | — | 1,100 | |
| 4.6 out of 5 (good) | 100 out of 100 | 4.6 out of 5 (good) | 4.1 out of 5 (good) | 4.3 out of 5 (good) | — | 999 | |
| 4.3 out of 5 (good) | 100 out of 100 | 4.1 out of 5 (good) | 4.8 out of 5 (good) | 4.0 out of 5 (good) | +2% | 458 | |
| 4.1 out of 5 (good) | 100 out of 100 | 4.2 out of 5 (good) | 4.2 out of 5 (good) | 4.0 out of 5 (good) | −33% | 407 |
Bottom line: Animal Friends Insurance is #3 of 5 on overall rating in this group. On value, Internet Reptile scores higher (4.8 vs 3.9).
160 reviews of Animal Friends Insurance. Filter by what matters to you.
11 months ago
My dog had a lump removed this year off his leg. Due to certain issues with how insurance claims work I cancelled the insurance. Someone in my family had a serious incident due to her dog swimming in... See more
11 months ago
Excellent cover for less than other providers. It's good to know that they care about what is happening to all animals and are prepared to invest in this instead of just making money. would highly rec... See more
Quick answers to the questions people ask most.
Animal Friends Insurance provides coverage for dogs and cats of all breeds and ages. They offer comprehensive pet insurance plans that include accident, illness, and wellness coverage options.
You can file a claim online through their customer portal, by email, or by mailing completed claim forms with supporting documentation. Most claims are processed within 5-10 business days once all required information is received.
There is typically a 15-day waiting period for illness coverage and 48 hours for accident coverage after your policy starts. Some conditions may have longer waiting periods, which will be specified in your policy documents.
Pre-existing conditions are generally not covered by Animal Friends Insurance. A pre-existing condition is any injury, illness, or symptom that occurred before your policy effective date or during the waiting period.
Customer service is available Monday through Friday from 8:00 AM to 8:00 PM EST, and Saturday from 9:00 AM to 5:00 PM EST. Emergency claim reporting is available 24/7 through their online portal.
Monthly premiums vary based on your pet's age, breed, location, and chosen coverage level. Plans typically range from $15-$50 per month, with customizable deductibles and reimbursement levels to fit your budget.
Yes, Animal Friends Insurance allows you to visit any licensed veterinarian, specialist, or emergency clinic. There are no network restrictions, giving you the freedom to choose your preferred veterinary care provider.
Anyone can write a CrowdTrust review. People who write reviews have ownership to edit or delete them at any time, and they'll be displayed as long as an account is active.
| ● Medium |
CrowdTrust Written on CrowdTrust | 4.3 | 100 | 45% | — | ● Low |
Been with animal friends for a few years now and although costs have went up it is to be expected with an aging dog. Had to use them a couple of times now most recently as our pup was found to have a gall bladder tumour which is palliative and requiring ongoing treatment. Team at AF have been great, no issues with payments and offering advice if requured.
My dog had a lump removed this year off his leg. Due to certain issues with how insurance claims work I cancelled the insurance. Someone in my family had a serious incident due to her dog swimming in a river, which meant she had to used the out of hours service but it cost a fortune. I decided to reinsure my dog because he also likes swimming. Later on this year he had another lump removed from his groin area. Different kind of lump which turned out to be a fatty lump. However because they are both lumps, it’s classed as a pre. Existing condition! I am blown away by this and I am in the process of making a complaint. So it looks like any lumps he now has removed will now be classed as pre-existing, in nine years I have only ever claimed for two lumps. So I’m insured “just incase” and the operation cost £550 out of that my excess was £159 and the 20% co payment means I would have only received £282! I’m asking myself if it’s worth bothering with insurance
An awful organisation to have to deal with. Wait until you have an elderly pet, you've never made a claim with them and then see their customer loyalty. They cannot even have the decency to get your pet's name correct.
Excellent cover for less than other providers. It's good to know that they care about what is happening to all animals and are prepared to invest in this instead of just making money. would highly recommend
Clear information. The website is incredibly easy to navigate and the prices are excellent. Would recommend this company to anyone searching for pet insurance. Well done!
I would have given a 5 star review as the service is recieve 5 star. However I took out a lifetime policy with animal friends and because my pet has ongoing conditions the cost of their insurance just keeps going up every year, it seems that Animal Friends know that going to another provide would be difficult, so the cost keeps going up
Easy to use, fast and efficient!!
Easy and understandable setup on the website. More affordable than others.
As usual a prompt and efficient response to my claim
Only just signed up to this company and not used it for a claim. However they were nearly half the price of my last insurer for the same cover,
Prompt payments. Excellent customer service and support. But expensive monthly payments if your pet need life cover
Very quick process to claim for an Op on our cat. Very smooth.
So far I have had a good experience with Animal Friends but as I have only insured my new cat 6 weeks ago I can't say much more as yet. It was easy to get a quote which was affordable, so far so good!
Prompt payment, always had a good experience with Animal friends and would recommend them to other pet owners. Good communication & keep you up to date with progress.
Quick to sort out claim
They are always helpful and although you can do a lot of things on-line if you need to speak to a person on the phone it is easy to do.
I found the prices quite reasonable, however I have not made any claims so my experience is limited!
Reimbursement levels are customizable and typically range from 70% to 90% of eligible veterinary expenses after your deductible is met. You can choose the reimbursement percentage that best fits your needs when purchasing your policy.
Animal Friends Insurance offers policies with annual limits ranging from $5,000 to unlimited coverage options. Higher annual limits provide more comprehensive protection but come with higher monthly premiums.
You can reach customer support by calling their toll-free number, emailing through their website contact form, or using the live chat feature on their website. All contact information is available on their official website under the 'Contact Us' section.
Animal Friends Insurance is a pet insurance provider that offers coverage for cats and dogs. The company provides policies designed to help pet owners manage veterinary costs for accidents, illnesses, and routine care. They typically offer various coverage levels and policy options to suit different pet care needs and budgets.
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