0344 557 0300

Hello, let's start your quote.

Who would you like to insure?

{{#foreach: RiskTypes }} {{/foreach}}

It is important that you respond accurately, if you don't it may affect the amount that you pay and the claims that we pay. If incorrect responses have been provided we may reduce or not make a claim payment or cancel your policy and we may not refund your premiums. Your responses must be correct for each pet you want to insure.

{{#if HasPreExisting() === 'true' && SelectedPolicy()}}

Unfortunately we do not provide cover for pre-existing conditions.

If you need cover for pre-existing conditions you may need to look for a specialist {{SelectedPolicy().PolicyType() === 'rider' ? 'horse rider' : SelectedPolicy().PolicyType()}} insurance policy. It's also worth noting that cover for pre-existing conditions is likely to be more expensive and more restrictive than a standard {{SelectedPolicy().PolicyType() === 'rider' ? 'horse rider' : SelectedPolicy().PolicyType()}} insurance policy.

Can I still get some cover with Animal Friends?

{{#if SelectedPolicy().PolicyType() !== 'rider'}} If your {{SelectedPolicy().PolicyType()}} has a pre-existing condition you'll still be able to take out {{SelectedPolicy().PolicyType()}} insurance with us, however we will not cover veterinary treatment for this or any related condition. Any pre-existing conditions will be excluded from your policy. {{/if}} {{#if SelectedPolicy().PolicyType() === 'rider'}} If the person to be covered by the {{SelectedPolicy().PolicyType()}} policy has a pre-existing condition you’ll still be able to take out {{SelectedPolicy().PolicyType()}} insurance with us, however we will not cover treatment for this or any related condition. Any pre-existing conditions will be excluded from your policy. {{/if}}

{{#if SelectedPolicy().PolicyType() === 'horse'}} If you choose to add Personal Accident & Dental cover to your policy, you will not be covered for any pre-existing conditions. {{/if}} {{#if SelectedPolicy().PolicyType() === 'rider'}} In addition, emergency vet fees will not be covered for any injury from an accident that occurred before the start of the policy, or from an injury which first showed clinical signs before the date of an accident. {{/if}}

If you have any queries regarding pre-existing conditions, please call us on 0344 557 0300.

{{/if}}
Try and be as accurate as possible. If you are unsure, put in your best guess.
{{#if $parent.RiskType() === "dog" }}
Crossbreed: a dog with parents from two different breeds.
Mixed breed: a mongrel or a dog with parents from three or more breeds.
Pedigree: a dog with parents from the same breed.
{{/if}}
{{#if $parent.RiskType() === "dog" }}
{{/if}} {{#if $parent.RiskType() === "cat" }}
{{/if}}
If you cannot find the crossbreed please select the option which represents the most prominent breed of your {{ $parent.RiskType() }}.
{{#if BreedType() === 'mongrel'}}
{{/if}}
{{#if PurchasePrice() > 6000}}

Please note, you will only be insured up to the maximum level as shown in your policy wording.

{{/if}}
Has {{NameHint}} been previously insured?
Has {{NameHint}} ever been involved in an accident involving a third party or attacked, bitten or been aggressive towards a person or other animal or has he/she shown any aggressive tendencies?
We reserve the right to remove or restrict Public Liability cover due to, but not limited to, a change in your pet’s temperament.  Please read more.
Has an insurer ever declined you for insurance, refused to renew a policy with you, or terminated cover for {{NameHint}}?
You will not be covered for accidents within the first 5 days or illnesses starting within the first 14 days of your cover start date. {{#if PolicyType() === 'pet'}}  Switching from another company? {{/if}}
 

{{NameHint}}'s cover

{{#if PersonalAccidentCover() == "1"}}

Please note: Personal Accident & Dental Cover covers riders aged 18 to 75.

{{/if}}
You will not be covered for accidents within the first 5 days or illnesses starting within the first 14 days of your cover start date. {{#if PolicyType() === 'pet'}}  Switching from another company? {{/if}}
{{#if AmEditingRiskType() && !SelectedRider()}}

Next, your details

{{/if}} {{#ifnot AmEditingRiskType() && !SelectedRider()}}

Your details

{{/ifnot}}
Can't find address? {{#if ShowManualAddressFields}} Search by postcode {{/if}} {{#ifnot ShowManualAddressFields}} Enter address manually {{/ifnot}}
You will not be covered for accidents within the first 5 days or illnesses starting within the first 14 days of your cover start date. {{#if PolicyType() === 'pet'}}  Switching from another company? {{/if}}
This policy provides cover for you when riding a horse, which you do not own or have on loan, and provides cover for Personal Accident, Third Party Liability and Custodial Liability plus Emergency Veterinary Fees for the horse you are riding.
Young Rider
£ {{GetMonthlyPremiumFor('Young') | decimal}}
/month
5 to 17 years old
£1.00m
£5,000
£1,500 (£50 excess)
£1,000 (£100 excess)
£2,500
Standard
£ {{GetMonthlyPremiumFor('Standard') | decimal}}
/month
18 to 75 years old
£1.00m
£10,000
£1,000 (£50 excess)
£1,000 (£100 excess)
£2,000 (£50 excess)

Standard cover applies to you as the named person completing this online application.

Young rider's details

{{#if HasPreExisting() === 'false'}}
{{#if (SelectedPolicy() && SelectedPolicy().IsSaved()) || Policies().length > 1 || !AmEditingRiskType()}} {{/if}}

Please see our privacy policy for details on how we will process and store your data.

{{/if}}
{{#if SelectedPet() && SelectedPolicy()}}

Find the right cover for {{SelectedPet().Name}} Thank you for choosing our {{SelectedPolicy().CoverLevel()}} policy

Answering the next questions will help you decide the level of cover you may need and what you can afford.

Please carefully review the below questions to ensure you've chosen the correct policy to meet your needs. Should you change the answers below, different levels of cover will be displayed.

Please note that none of our policies cover pre-existing conditions. If you have any queries regarding pre-existing conditions, please call us on 0344 557 0300.

If you choose accident only, cover will only be provided for injuries and conditions resulting from an accident, and it's important to note that vet fees for illnesses (such as diabetes) won't be covered.
If you choose short-term cover, your pet will only be covered for vet fees resulting from accidents, illnesses and conditions for up to 12 months. After 12 months, no further cover will be provided for that condition and related issues, and will be excluded. You will need to meet the cost of any future vet fees yourself. If you choose Until the condition’s limit is reached, your pet will be covered for each condition until the condition limit is used for that accident, illness or condition. If you choose long-term cover, provided you renew the policy every 12 months, your pet will be covered for life. This is useful if your pet has a long term illness. Pre-existing conditions are excluded from all levels of cover.
Annual policy limit for all claims - We’ll pay vet’s fees up to your chosen annual cover amount in one policy year. This means that you have an annual limit and each payable claim submitted will be deducted from this total. There is no limit to the number of claims you can submit and you can submit claims until the annual limit has been reached. Once you reach your annual limit in that policy year, you’ll not be able to make any more claims until you renew your policy and the amount becomes available again. This means that some chronic conditions, like epilepsy, can be covered year after year.

Annual condition limit - You can choose a cover limit to cover each condition (or illness) your pet may suffer. We’ll pay the vet’s fees for each condition, up to your chosen cover limit. Once a specific condition has reached the limit chosen, that condition will not be covered until the policy renews and the limits become available again for each condition. This means that some chronic conditions like arthritis, can be covered year after year and does not impact on the amount of cover you have left for any other conditions your pet may suffer from in that policy year.
An average pet insurance claim, according to the Association of British Insurers in 2018, was £793. Treatment costs can vary significantly depending on the severity of the illness or accident your pet may suffer from. Certain breeds may require more care and therefore, potentially more cover. It's important that you carry out your own research when it comes to the level of cover you feel you require. Please consider how you might pay for veterinary fees if the bill exceeds your chosen policy's cover amount. See typical treatment costs for {{Animal}}s.
{{#if ShowRelevantPetProducts()}}
Has {{NameHint}} been previously insured?
Has {{NameHint}} ever been involved in an accident involving a third party or attacked, bitten or been aggressive towards a person or other animal or has he/she shown any aggressive tendencies?
We reserve the right to remove or restrict Public Liability cover due to, but not limited to, a change in your pet’s temperament.  Please read more.
Has an insurer ever declined you for insurance, refused to renew a policy with you, or terminated cover for {{NameHint}}?

Based on the answers you gave us, {{SelectedPet().ShowSingleProduct() ? 'this policy' : 'these policies'}} may meet your needs.

{{SelectedPet().ShowSingleProduct() ? 'This policy gives' : 'All these policies give'}} you free vet video consults 24/7/365 through the Joii app.
Monthly cost
Cover
Annual condition limit
Lifetime condition limit
Annual policy limit
Vet excess
£{{SelectedPet().GetPremium('Assure') | decimal}} /month
or £{{SelectedPet().GetPremium('Assure') * 12 | decimal}} annually
Lifetime
Assure
Annual Condition Limit
N/A
Lifetime Condition Limit
Unlimited
Annual Policy Limit
£3,000
Vets Excess
£99
Additional benefits
Public Liability
£1.50m
Death of Pet
£600
Holiday Cancellation
£1,000
Theft & Straying
£600
Transport Costs
Personal Accident
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£600
Overseas Travel Cover
£2,000
Dog Walker
£100
See a representative  vet fees claim example
Insurance Product Information Document
Additional benefits
Public Liability
£1.50m
Death of Pet
£600
Holiday Cancellation
£1,000
Theft & Straying
£600
Transport Costs
Personal Accident
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£600
Overseas Travel Cover
£2,000
Dog Walker
£100
See a representative  vet fees claim example
Insurance Product Information Document
£{{SelectedPet().GetPremium('Assure Plus') | decimal}} /month
or £{{SelectedPet().GetPremium('Assure Plus') * 12 | decimal}} annually
Lifetime
Assure Plus
Annual Condition Limit
N/A
Lifetime Condition Limit
Unlimited
Annual Policy Limit
£5,000
Vets Excess
£99
Additional benefits
Public Liability
£2.00m
Death of Pet
£1,200
Holiday Cancellation
£2,000
Theft & Straying
£1,200
Transport Costs
Personal Accident
Accidental Damage
Advertising & Reward
£600
Boarding Kennel / Cattery
£1,200
Overseas Travel Cover
£2,000
Dog Walker
£100
See a representative  vet fees claim example
Insurance Product Information Document
Additional benefits
Public Liability
£2.00m
Death of Pet
£1,200
Holiday Cancellation
£2,000
Theft & Straying
£1,200
Transport Costs
Personal Accident
Accidental Damage
Advertising & Reward
£600
Boarding Kennel / Cattery
£1,200
Overseas Travel Cover
£2,000
Dog Walker
£100
See a representative  vet fees claim example
Insurance Product Information Document
£{{SelectedPet().GetPremium('Basic Plus') | decimal}} /month
or £{{SelectedPet().GetPremium('Basic Plus') * 12 | decimal}} annually
Time Limited
Basic Plus
Annual Condition Limit
£1,000
Lifetime Condition Limit
N/A
Annual Policy Limit
£4,000
Vets Excess
£99
Additional benefits
Public Liability
£1.00m
Death of Pet
£500
Holiday Cancellation
Theft & Straying
£500
Transport Costs
Personal Accident
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£500
Overseas Travel Cover
£750
Dog Walker
See a representative  vet fees claim example
Insurance Product Information Document
Additional benefits
Public Liability
£1.00m
Death of Pet
£500
Holiday Cancellation
Theft & Straying
£500
Transport Costs
Personal Accident
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£500
Overseas Travel Cover
£750
Dog Walker
See a representative  vet fees claim example
Insurance Product Information Document
Please note: you'll need to pay any additional costs for claims over £1000. See representative vet fees claim example.
£{{SelectedPet().GetPremium('Max Value') | decimal}} /month
or £{{SelectedPet().GetPremium('Max Value') * 12 | decimal}} annually
Max Benefit
Max Value
Annual Condition Limit
N/A
Lifetime Condition Limit
£1,000
Annual Policy Limit
N/A
Vets Excess
£99
Additional benefits
Public Liability
£1.50m
Death of Pet
£500
Holiday Cancellation
£1,000
Theft & Straying
£500
Transport Costs
Personal Accident
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£500
Overseas Travel Cover
£1,500
Dog Walker
£100
See a representative  vet fees claim example
Insurance Product Information Document
Additional benefits
Public Liability
£1.50m
Death of Pet
£500
Holiday Cancellation
£1,000
Theft & Straying
£500
Transport Costs
Personal Accident
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£500
Overseas Travel Cover
£1,500
Dog Walker
£100
See a representative  vet fees claim example
Insurance Product Information Document
Please note: you'll need to pay any additional costs for claims over £1000. See representative vet fees claim example.
£{{SelectedPet().GetPremium('Super') | decimal}} /month
or £{{SelectedPet().GetPremium('Super') * 12 | decimal}} annually
Lifetime
Super
Annual Condition Limit
£1,000
Lifetime Condition Limit
Unlimited
Annual Policy Limit
N/A
Vets Excess
£99
Additional benefits
Public Liability
£1.50m
Death of Pet
£500
Holiday Cancellation
£1,000
Theft & Straying
£500
Transport Costs
Personal Accident
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£500
Overseas Travel Cover
£1,500
Dog Walker
£100
See a representative  vet fees claim example
Insurance Product Information Document
Additional benefits
Public Liability
£1.50m
Death of Pet
£500
Holiday Cancellation
£1,000
Theft & Straying
£500
Transport Costs
Personal Accident
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£500
Overseas Travel Cover
£1,500
Dog Walker
£100
See a representative  vet fees claim example
Insurance Product Information Document
Please note: you'll need to pay any additional costs for claims over £1000. See representative vet fees claim example.
£{{SelectedPet().GetPremium('Prime') | decimal}} /month
or £{{SelectedPet().GetPremium('Prime') * 12 | decimal}} annually
Time Limited
Prime
Annual Condition Limit
£2,000
Lifetime Condition Limit
N/A
Annual Policy Limit
£7,000
Vets Excess
£99
Additional benefits
Public Liability
£1.50m
Death of Pet
£750
Holiday Cancellation
£1,000
Theft & Straying
£750
Transport Costs
Personal Accident
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£750
Overseas Travel Cover
£1,000
Dog Walker
See a representative  vet fees claim example
Insurance Product Information Document
Additional benefits
Public Liability
£1.50m
Death of Pet
£750
Holiday Cancellation
£1,000
Theft & Straying
£750
Transport Costs
Personal Accident
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£750
Overseas Travel Cover
£1,000
Dog Walker
See a representative  vet fees claim example
Insurance Product Information Document
£{{SelectedPet().GetPremium('Max Plus') | decimal}} /month
or £{{SelectedPet().GetPremium('Max Plus') * 12 | decimal}} annually
Max Benefit
Max Plus
Annual Condition Limit
N/A
Lifetime Condition Limit
£2,000
Annual Policy Limit
N/A
Vets Excess
£99
Additional benefits
Public Liability
£1.50m
Death of Pet
£750
Holiday Cancellation
£1,000
Theft & Straying
£750
Transport Costs
Personal Accident
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£750
Overseas Travel Cover
£2,000
Dog Walker
£100
See a representative  vet fees claim example
Insurance Product Information Document
Additional benefits
Public Liability
£1.50m
Death of Pet
£750
Holiday Cancellation
£1,000
Theft & Straying
£750
Transport Costs
Personal Accident
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£750
Overseas Travel Cover
£2,000
Dog Walker
£100
See a representative  vet fees claim example
Insurance Product Information Document
£{{SelectedPet().GetPremium('Superior') | decimal}} /month
or £{{SelectedPet().GetPremium('Superior') * 12 | decimal}} annually
Lifetime
Superior
Annual Condition Limit
£2,000
Lifetime Condition Limit
Unlimited
Annual Policy Limit
N/A
Vets Excess
£99
Additional benefits
Public Liability
£1.50m
Death of Pet
£750
Holiday Cancellation
£1,000
Theft & Straying
£750
Transport Costs
Personal Accident
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£750
Overseas Travel Cover
£2,000
Dog Walker
£100
See a representative  vet fees claim example
Insurance Product Information Document
Additional benefits
Public Liability
£1.50m
Death of Pet
£750
Holiday Cancellation
£1,000
Theft & Straying
£750
Transport Costs
Personal Accident
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£750
Overseas Travel Cover
£2,000
Dog Walker
£100
See a representative  vet fees claim example
Insurance Product Information Document
£{{SelectedPet().GetPremium('Accident') | decimal}} /month
or £{{SelectedPet().GetPremium('Accident') * 12 | decimal}} annually
Accident Only
Accident
Annual Condition Limit
£2,500
Lifetime Condition Limit
£15,000
Annual Policy Limit
N/A
Vets Excess
£99
Additional benefits
Public Liability
Death of Pet
Holiday Cancellation
Theft & Straying
Transport Costs
Personal Accident
Accidental Damage
Advertising & Reward
Boarding Kennel / Cattery
Overseas Travel Cover
Dog Walker
See a representative  vet fees claim example
Insurance Product Information Document
Additional benefits
Public Liability
Death of Pet
Holiday Cancellation
Theft & Straying
Transport Costs
Personal Accident
Accidental Damage
Advertising & Reward
Boarding Kennel / Cattery
Overseas Travel Cover
Dog Walker
See a representative  vet fees claim example
Insurance Product Information Document
£{{SelectedPet().GetPremium('Prime Plus') | decimal}} /month
or £{{SelectedPet().GetPremium('Prime Plus') * 12 | decimal}} annually
Time Limited
Prime Plus
Annual Condition Limit
£4,000
Lifetime Condition Limit
N/A
Annual Policy Limit
£10,000
Vets Excess
£99
Additional benefits
Public Liability
£1.75m
Death of Pet
£1,000
Holiday Cancellation
£1,500
Theft & Straying
£1,000
Transport Costs
Personal Accident
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£1,000
Overseas Travel Cover
£1,500
Dog Walker
See a representative  vet fees claim example
Insurance Product Information Document
Additional benefits
Public Liability
£1.75m
Death of Pet
£1,000
Holiday Cancellation
£1,500
Theft & Straying
£1,000
Transport Costs
Personal Accident
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£1,000
Overseas Travel Cover
£1,500
Dog Walker
See a representative  vet fees claim example
Insurance Product Information Document
£{{SelectedPet().GetPremium('Max Extra') | decimal}} /month
or £{{SelectedPet().GetPremium('Max Extra') * 12 | decimal}} annually
Max Benefit
Max Extra
Annual Condition Limit
N/A
Lifetime Condition Limit
£4,000
Annual Policy Limit
N/A
Vets Excess
£99
Additional benefits
Public Liability
£1.75m
Death of Pet
£1,000
Holiday Cancellation
£1,500
Theft & Straying
£1,000
Transport Costs
Personal Accident
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£1,000
Overseas Travel Cover
£2,000
Dog Walker
£100
See a representative  vet fees claim example
Insurance Product Information Document
Additional benefits
Public Liability
£1.75m
Death of Pet
£1,000
Holiday Cancellation
£1,500
Theft & Straying
£1,000
Transport Costs
Personal Accident
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£1,000
Overseas Travel Cover
£2,000
Dog Walker
£100
See a representative  vet fees claim example
Insurance Product Information Document
£{{SelectedPet().GetPremium('Superior Plus') | decimal}} /month
or £{{SelectedPet().GetPremium('Superior Plus') * 12 | decimal}} annually
Lifetime
Superior Plus
Annual Condition Limit
£4,000
Lifetime Condition Limit
Unlimited
Annual Policy Limit
N/A
Vets Excess
£99
Additional benefits
Public Liability
£1.75m
Death of Pet
£1,000
Holiday Cancellation
£1,500
Theft & Straying
£1,000
Transport Costs
Personal Accident
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£1,000
Overseas Travel Cover
£2,000
Dog Walker
£100
See a representative  vet fees claim example
Insurance Product Information Document
Additional benefits
Public Liability
£1.75m
Death of Pet
£1,000
Holiday Cancellation
£1,500
Theft & Straying
£1,000
Transport Costs
Personal Accident
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£1,000
Overseas Travel Cover
£2,000
Dog Walker
£100
See a representative  vet fees claim example
Insurance Product Information Document
£{{SelectedPet().GetPremium('Prestige') | decimal}} /month
or £{{SelectedPet().GetPremium('Prestige') * 12 | decimal}} annually
Lifetime
Prestige
Annual Condition Limit
£6,000
Lifetime Condition Limit
Unlimited
Annual Policy Limit
N/A
Vets Excess
£99
Additional benefits
Public Liability
£2.00m
Death of Pet
£1,500
Holiday Cancellation
£2,500
Theft & Straying
£1,500
Transport Costs
£200
Personal Accident
£200
Accidental Damage
£750
Advertising & Reward
£1,000
Boarding Kennel / Cattery
£1,500
Overseas Travel Cover
£2,000
Dog Walker
£100
See a representative  vet fees claim example
Insurance Product Information Document
Additional benefits
Public Liability
£2.00m
Death of Pet
£1,500
Holiday Cancellation
£2,500
Theft & Straying
£1,500
Transport Costs
£200
Personal Accident
£200
Accidental Damage
£750
Advertising & Reward
£1,000
Boarding Kennel / Cattery
£1,500
Overseas Travel Cover
£2,000
Dog Walker
£100
See a representative  vet fees claim example
Insurance Product Information Document
What our customers are saying about Animal Friends

You've chosen an Accident Only policy for {{Name}}

You've chosen {{IDDAnnualPolicyLimit() === 'true' ? 'an' : 'a'}} {{CoverLevel}} policy for {{Name}}

This policy meets the demands and needs of someone wanting help paying vet bills for accidents, but not for illnesses unless they were caused by an accident.

This policy meets the demands and needs of someone wanting help paying vet bills for accidents and short-term illnesses, but not for ongoing treatment lasting more than 12 months. {{#if $data.CoverLevel && $data.CoverLevel() === 'Basic Plus'}} This policy may not provide full coverage against vet fees, but is likely to provide a contribution towards the cost of a claim. {{/if}}

This policy meets the demands and needs of someone wanting help paying vet bills for treatment until the condition limit is used for that accident, illness or condition. {{#if $data.CoverLevel && $data.CoverLevel() === 'Max Value'}} This policy may not provide full coverage against vet fees, but is likely to provide a contribution towards the cost of a claim. {{/if}}

This policy meets the demands and needs of someone wanting help paying vet bills for long-term and short-term treatment until the annual condition limit is used for that accident, illness or condition each year. The annual condition limit is reinstated at each renewal. annual policy limit is reached. The annual policy limit is reinstated at each renewal. This policy may not provide full coverage against vet fees, but is likely to provide a contribution towards the cost of a claim.

{{/if}} {{/if}}
{{#if RiskType() == 'cat' || RiskType() == 'dog'}}

We've made the following assumptions

You're a UK resident and the owner and keeper of {{NameHint}} and that {{Sex() == 'Male' ? 'he' : 'she'}} lives at your UK address.
You agree to keep us informed of any changes that could affect the policy.
{{#if $parent.RiskType() === 'dog'}}
{{NameHint}} does not fall within our excluded breeds list as set out in the policy wording and that {{Sex() == 'Male' ? 'he' : 'she'}} is not a working dog, used for hunting/shooting or in any trade or business, now or in the future. {{NameHint}} will also not be used for breeding, whether for monetary gain or not, now or in the future.
{{/if}}

Information about your policy

When {{NameHint}} reaches {{CoPaymentAge}}, a co-payment will become payable. The co-payment is 20% of each claim amount that you’ll have to pay, in addition to the Excess and will be deducted from the applicable policy limit. Just like people, as your pet ages the chance of it needing medical treatment increases, meaning you’re more likely to claim on your policy. This means that your premiums may increase as your pet ages.
{{#if IsLifetimeCover()}}
If you switch insurance providers, it may result in pre-existing conditions being excluded from your new policy.
{{/if}}
You will not be covered for accidents within the first 5 days of your cover start date.  Switching from another company?
You will not be covered for accidents within the first 5 days or illnesses starting within the first 14 days of your cover start date.  Switching from another company?
Your policy excludes any pre-existing conditions for {{NameHint}}.
{{/if}} {{#if RiskType() == 'horse'}}

Declaration questions for {{Name}}

We've made the following assumptions

You accept that we shall not provide cover for any illness, injury, symptoms or conditions that are pre-existing at the date you take out your policy with us or which exist at the time you take out the policy or any matters related to them.
You accept that we reserve the right to apply an exclusion to your policy in respect of any illnesses, injuries, symptoms or conditions that we subsequently learn were pre-existing or existing at the time you took out your policy as is defined in the Policy Terms.
You are a United Kingdom resident. You are the owner and keeper of the horse or pony you are insuring with us which is kept in the United Kingdom at the address you have provided.
You agree to keep us informed of any changes that could affect the policy.
You must ensure that the information you provide and the assumptions we have made about you and your horse or pony below are correct. They will form part of the insurance contract between you and the underwriters. Wrong information could render your policy invalid and/or unenforceable in all or in part. If you are unsure about the information to give us or if you consider any of our assumptions below to be incorrect then please call us on 0344 557 0300 and we shall be happy to help you.

In addition to the above you will also be bound by the express Policy Terms and Conditions which we have asked you to read and accept before proceeding to take out cover.

Information about your policy

Depending on the policy you have selected, there is a 14 day waiting period for illness and 5 days for accident. If you are changing your insurance, consider overlapping old and new policies to cover these periods.
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Declaration questions

We've made the following assumptions

You accept that we shall not provide cover for any illness, symptoms or conditions that are pre-existing at the date you take our your policy with us or which exist at the time you take out the policy matters related to them.
You accept that we reserve the right to apply an exclusion to your policy in respect of any illnesses, injuries, symptoms or conditions that we subsequently learn were pre-existing or existing at the time you took out your policy with us as is defined in the Policy Terms.
You accept that we reserve the right to apply an exclusion to your policy in respect of any injuries the horse you are riding may have suffered from any accidents that occurred before the commencement date.
You're a UK resident.
You agree to keep us informed of any changes that could affect the policy.
Important Notice: The terms of cover we will offer you are based on assumptions we have made about you and the young rider. It is essential you read these assumptions and if they are wrong you must telephone us on 0344 557 0300
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Documents to read for {{NameHint}}

Insurance Product Information Document
Product policy wording
Terms of Business

Review your policy details

{{#if Policies().length == 1}}
£{{MonthlyPremium | decimal}}/month
£{{AnnualPremium | decimal}}/annual
{{Name}}
{{(PolicyType() == 'rider' ? CoverLevel() + ' Rider' : CoverLevel())}}
{{#if PolicyType() != 'rider'}}
{{AgeInYearsAndMonths}}
{{Breed}}
{{#if PolicyType() != 'horse'}}
£99
{{#if CoPayment}}
{{CoPayment}}
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{{InceptionDt}}
{{#if PolicyType() === 'pet'}}
You've chosen an Accident Only policy for {{Name}}
You've chosen {{IDDAnnualPolicyLimit() === 'true' ? 'an' : 'a'}} {{CoverLevel}} policy for {{Name}}

This policy meets the demands and needs of someone wanting help paying vet bills for accidents, but not for illnesses unless they were caused by an accident.

This policy meets the demands and needs of someone wanting help paying vet bills for accidents and short-term illnesses, but not for ongoing treatment lasting more than 12 months. {{#if $data.CoverLevel && $data.CoverLevel() === 'Basic Plus'}} This policy may not provide full coverage against vet fees, but is likely to provide a contribution towards the cost of a claim. {{/if}}

This policy meets the demands and needs of someone wanting help paying vet bills for treatment until the condition limit is used for that accident, illness or condition. {{#if $data.CoverLevel && $data.CoverLevel() === 'Max Value'}} This policy may not provide full coverage against vet fees, but is likely to provide a contribution towards the cost of a claim. {{/if}}

This policy meets the demands and needs of someone wanting help paying vet bills for long-term and short-term treatment until the annual condition limit is used for that accident, illness or condition each year. The annual condition limit is reinstated at each renewal. annual policy limit is reached. The annual policy limit is reinstated at each renewal. This policy may not provide full coverage against vet fees, but is likely to provide a contribution towards the cost of a claim.

{{/if}} {{#if PolicyType() === 'rider'}}
You've chosen a {{CoverLevel()}} Rider policy.

This policy meets the demands and needs of someone wanting cover for someone aged between 5 and 18 whilst they are riding a horse which you or the rider do not own or have on loan. It provides cover for personal accidents, third party liability and custodial liability, plus emergency vet fees for the horse they are riding.

This policy meets the demands and needs of someone aged over 18 wanting cover for riding a horse which you do not own or have on loan. It provides cover for personal accidents, third party liability and custodial liability, plus emergency vet fees for the horse you are riding.

{{/if}} {{#if PolicyType() === 'horse'}}
You've chosen a {{AgeCategory()}} Horse policy.

This policy meets the demands and needs of someone wanting cover from accidents, illnesses and conditions for your horse aged between 30 days and 20 years old. Your horse will be covered for 365 days after the condition is first noticed by yourself or your vet, so this means when symptoms first arose or when an accident happened, or until the benefit limit is reached, whichever is sooner.

This policy meets the demands and needs of someone wanting cover from accidental injuries for your horse aged over 20 years old. Your horse will be covered for 365 days from the date of the accidental injury or until the benefit limit is reached, whichever is sooner.

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Change Policy Edit Details
My details
{{FullName}}
{{EmailAddress}}
{{DaytimeTelNo}}
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{{/if}} {{#if Policies().length > 1}} {{#foreach SortedPolicies}}
{{(PolicyType() == 'rider' ? RiderFirstName() : Name())}}: £{{MonthlyPremium | decimal}}/month
{{Name}}
{{(PolicyType() == 'rider' ? CoverLevel() + ' Rider' : CoverLevel())}}
{{#if PolicyType() != 'rider'}}
{{AgeInYearsAndMonths}}
{{Breed}}
{{#if PolicyType() != 'horse'}}
£99
{{#if CoPayment}}
{{CoPayment}}
{{/if}} {{/if}} {{/if}}
{{InceptionDt}}
{{#if PolicyType() === 'pet'}}
You've chosen an Accident Only policy for {{Name}}
You've chosen {{IDDAnnualPolicyLimit() === 'true' ? 'an' : 'a'}} {{CoverLevel}} policy for {{Name}}

This policy meets the demands and needs of someone wanting help paying vet bills for accidents, but not for illnesses unless they were caused by an accident.

This policy meets the demands and needs of someone wanting help paying vet bills for accidents and short-term illnesses, but not for ongoing treatment lasting more than 12 months. {{#if $data.CoverLevel && $data.CoverLevel() === 'Basic Plus'}} This policy may not provide full coverage against vet fees, but is likely to provide a contribution towards the cost of a claim. {{/if}}

This policy meets the demands and needs of someone wanting help paying vet bills for treatment until the condition limit is used for that accident, illness or condition. {{#if $data.CoverLevel && $data.CoverLevel() === 'Max Value'}} This policy may not provide full coverage against vet fees, but is likely to provide a contribution towards the cost of a claim. {{/if}}

This policy meets the demands and needs of someone wanting help paying vet bills for long-term and short-term treatment until the annual condition limit is used for that accident, illness or condition each year. The annual condition limit is reinstated at each renewal. annual policy limit is reached. The annual policy limit is reinstated at each renewal. This policy may not provide full coverage against vet fees, but is likely to provide a contribution towards the cost of a claim.

{{/if}} {{#if PolicyType() === 'rider'}}
You've chosen a {{CoverLevel()}} Rider policy.

This policy meets the demands and needs of someone wanting cover for someone aged between 5 and 18 whilst they are riding a horse which you or the rider do not own or have on loan. It provides cover for personal accidents, third party liability and custodial liability, plus emergency vet fees for the horse they are riding.

This policy meets the demands and needs of someone aged over 18 wanting cover for riding a horse which you do not own or have on loan. It provides cover for personal accidents, third party liability and custodial liability, plus emergency vet fees for the horse you are riding.

{{/if}} {{#if PolicyType() === 'horse'}}
You've chosen a {{AgeCategory()}} Horse policy.

This policy meets the demands and needs of someone wanting cover from accidents, illnesses and conditions for your horse aged between 30 days and 20 years old. Your horse will be covered for 365 days after the condition is first noticed by yourself or your vet, so this means when symptoms first arose or when an accident happened, or until the benefit limit is reached, whichever is sooner.

This policy meets the demands and needs of someone wanting cover from accidental injuries for your horse aged over 20 years old. Your horse will be covered for 365 days from the date of the accidental injury or until the benefit limit is reached, whichever is sooner.

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Delete {{#if PolicyType() === 'pet'}} {{/if}}
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My details
{{FullName}}
{{EmailAddress}}
{{DaytimeTelNo}}
{{#if Line1}}{{Line1}}
{{/if}} {{#if Line2}}{{Line2}}
{{/if}} {{#if Line3}}{{Line3}}
{{/if}} {{#if Line4}}{{Line4}}
{{/if}} {{PostCode}}
Edit
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Communication preferences

{{#if hasRiderPolicy()}}
Please note:

All premiums include standard rate insurance premium tax at {{getQuoteIpt()}}%.

Depending on the policy you have selected there may be a waiting period in regards to accidents and illnesses. For more information, please refer to your Policy Schedule.

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Your Payment

{{#foreach SortedPolicies}}
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{{#if PaymentFrequency() == 'Monthly'}}
12 x monthly payments of

£{{TotalMonthlyPremium | decimal}}

includes {{getQuoteIpt()}}% insurance premium tax

Switch to 1 x annual payment of £{{TotalAnnualPremium | decimal}}

{{/if}} {{#if PaymentFrequency() == 'Annually'}}
1 x annual payment of

£{{TotalAnnualPremium | decimal}}

includes {{getQuoteIpt()}}% insurance premium tax

Switch to 12 x monthly payments of £{{TotalMonthlyPremium | decimal}}

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{{#if PaymentFrequency() == 'Monthly'}}

First payment

We will not collect a payment today as we need to set up your direct debit before we collect the first payment. Please refer to your policy documents for confirmation of your first payment date, as it may result in two payments being collected in the same month.

Direct Debit Guarantee

Please pay Animal Friends Insurance Services Ltd Direct Debits from the account detailed in this instruction subject to the safeguards assured by the Direct Debit Guarantee. I understand that this instruction may remain with Animal Friends Insurance Services Ltd and if so, details will be passed electronically to my Bank/Building Society.

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Cancellation rights

You have a right to cancel up to 14 days learn more

{{#if hasHorsePolicy()}}

Vetting Requirements

Please note the minimum vetting requirements we need are listed below, and ensure you have checked which veterinary certificate applies to your application. The vetting certificate must be valid and no older than 30 days. If we do not receive the original vetting certificate within the first 14 days of the policy being taken out, then your insurance policy will be cancelled.

A BVA mortality certificate for:

All foals aged between 30 days to 1 year

A BVA Stage 5 certificate:

Any horse at the value of £4,500 and over
Loss of use any value (loss of use will only apply to horses aged from 4 to 12 years old)

Note: If you own a horse or you’re its main keeper, you are responsible for making sure you have an up-to-date horse passport so your horse can be identified. If your horse does not have a valid passport this could invalidate your insurance.

* Certificates should be sent to the address shown below and must arrive within the first 14 days of you policy start date. We accept no liability for certificates not received or lost in transit. You may wish to consider sending these as recorded delivery or some other secure postal method.

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Marketing preferences

We would like to use your contact details to inform you of news, promotions and events.

Please contact me via.

{{#if PaymentFrequency() == 'Monthly'}} {{/if}}
What our customers are saying about Animal Friends

Review your policy details

{{#if PolicyType() == 'pet' }} {{/if}} £{{MonthlyPremium | decimal}}/month
£{{AnnualPremium | decimal}}/annual
{{Name}}
{{(PolicyType() == 'rider' ? CoverLevel() + ' Rider' : CoverLevel())}}
{{#if PolicyType() != 'rider'}}
{{AgeInYearsAndMonths}}
{{Breed}}
{{#if PolicyType() == 'pet' }} {{/if}} {{#if PolicyType() != 'horse'}}
£99
{{#if CoPayment}}
{{CoPayment}}
{{/if}} {{/if}} {{/if}}
{{InceptionDt}}
{{#if PolicyType() === 'pet'}}
You've chosen an Accident Only policy for {{Name}}
You've chosen {{IDDAnnualPolicyLimit() === 'true' ? 'an' : 'a'}} {{CoverLevel}} policy for {{Name}}

This policy meets the demands and needs of someone wanting help paying vet bills for accidents, but not for illnesses unless they were caused by an accident.

This policy meets the demands and needs of someone wanting help paying vet bills for accidents and short-term illnesses, but not for ongoing treatment lasting more than 12 months. {{#if $data.CoverLevel && $data.CoverLevel() === 'Basic Plus'}} This policy may not provide full coverage against vet fees, but is likely to provide a contribution towards the cost of a claim. {{/if}}

This policy meets the demands and needs of someone wanting help paying vet bills for treatment until the condition limit is used for that accident, illness or condition. {{#if $data.CoverLevel && $data.CoverLevel() === 'Max Value'}} This policy may not provide full coverage against vet fees, but is likely to provide a contribution towards the cost of a claim. {{/if}}

This policy meets the demands and needs of someone wanting help paying vet bills for long-term and short-term treatment until the annual condition limit is used for that accident, illness or condition each year. The annual condition limit is reinstated at each renewal. annual policy limit is reached. The annual policy limit is reinstated at each renewal. This policy may not provide full coverage against vet fees, but is likely to provide a contribution towards the cost of a claim.

{{/if}}
Change Policy Edit Details
My details
{{FullName}}
{{EmailAddress}}
{{#if Line1}}{{Line1}}
{{/if}} {{#if Line2}}{{Line2}}
{{/if}} {{#if Line3}}{{Line3}}
{{/if}} {{#if Line4}}{{Line4}}
{{/if}} {{PostCode}}
Edit

Communication preferences

{{#if hasRiderPolicy()}}
Please note:

All premiums include standard rate insurance premium tax at {{getQuoteIpt()}}%.

Depending on the policy you have selected there may be a waiting period in regards to accidents and illnesses. For more information, please refer to your Policy Schedule.

{{/if}}