Animal Friends Insurance Reviews 

55,142
TrustScore 4.5 out of 5

4.6

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Review summary

Created with AI, based on recent reviews

Considering 10,188 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently mention that the claims process is exceptionally fast and straightforward, especially when veterinary practices submit paperwork directly through the online portal. People also deeply appreciate the supportive customer service and quick payout times during stressful veterinary emergencies. However, some reviewers were not happy with claim payouts, mentioning unexpected deductions, disputes over covered conditions, or difficulties receiving the full expected amounts. A few other people also felt that phone support lacked empathy, noting long reply delays and inconsistent information when trying to reach representatives for help.

What people talk about most

Claim

Reviewers highlight positive aspects of claim procedures, noting that they are generally straightforward and... See more

Service

Customers had positive experiences with service, noting fast reimbursement and helpful communication.... See more

Payment

Customers consistently note positive experiences with payment, highlighting fast payouts and seamless direct... See more

Customer service

Clients share positive opinions on customer_service, noting that advisors are generally pleasant,... See more

Response time

Users describe positive interactions with response_time, highlighting consistently prompt and efficient... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Pet insurance gives peace of mind for your beloved pet costs, especially when getting older. You pay a premium for a pets age, but overall reasonably priced. We are very pleased with the customer se... See more

Company replied

Rated 5 out of 5 stars

Can't fault them. They paid for my dogs hydrotherapy treatment for the 10 week sessions without question to treat luxating patella. Hopefully this will strengthen his knees so surgery can be avoided.... See more

Company replied

Rated 5 out of 5 stars

We've been with Animal Friends for a few years with both of our elderly cats. Vet has put numerous claims in on my behalf via Pawtal. All paid within a couple of days of submission with no problems... See more

Company replied

Rated 5 out of 5 stars

Had a referral to an orthopaedic surgeon to fix a ruptured cruciate ligament for my pooch. X-ray confirmed it - procedure complete and doing well. Paid in full at the vet hospital, but they dealt w... See more

Company replied


Company details

  1. Insurance Agency
  2. Pet Insurance Company

About Animal Friends Insurance

Written by the company

Animal Friends, providing trusted insurance to protect the nation’s pets.


  • Multi-award winning pet insurance

  • FREE 24/7 vet video consultations for dogs and cats

  • Fuss-free claims

  • Over 1 million pets insured with us

  • Founded to support animal charities  

Animal Friends was founded in 1998 with the sole aim of creating a better life for every animal. We provide pet insurance that also give back to animal welfare charities and conservancies. Since then, we have donated more than £9 million to over 830 charities, with each policy bought helping us to continue improving the lives of pet and wildlife around the world. We’re proud to be wildly different.

Written by the company


Contact info

4.6

Excellent

TrustScore 4.5 out of 5

55K reviews

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4.6

All reviews

(55,142)

10,091 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Fast and paid immediately

Fast and paid immediately. Really good service

August 20, 2026
Animal Friends Insurance logo

Reply from Animal Friends Insurance

Good Morning Maria,

Thank you for your positive review.

I am pleased to see that your claim was assessed swiftly.

If we can be of any further assistance, please do let us know and we will be happy to help you.

Kind regards,
Sophie – Animal Friends Insurance

Rated 5 out of 5 stars

Excellent service but pricey but I do…

Excellent service but pricey but I do own a frenchie

June 25, 2026
Animal Friends Insurance logo

Reply from Animal Friends Insurance

Good Morning Neil,

Thank you for your positive review.

If you would ever like to discuss your premium with the team, they are available Monday-Friday, 9am-5pm on 0344 557 0300 and will be happy to help you.

Kind regards,
Sophie – Animal Friends Insurance

Rated 5 out of 5 stars

Really happy with this company.

The vet put in the claim and after a couple of days it was paid. Very pleased with the service.

August 20, 2026
Animal Friends Insurance logo

Reply from Animal Friends Insurance

Good Morning Ivonne,

Thank you for your positive review.

It is great to see that your claim was finalised promptly.

Please do let us know if we can be of any further assistance, and we will be happy to help you.

Kind regards,
Sophie – Animal Friends Insurance

Rated 5 out of 5 stars

Always a great service from this this…

Always a great service from this this company. Would recommend

August 6, 2026
Animal Friends Insurance logo

Reply from Animal Friends Insurance

Good Morning Melissa,

Thank you for your positive review.

It is great to see that you have received good service from us!!

If we can be of any further assistance, please do let us know and we will be happy to help you.

Kind regards,
Sophie – Animal Friends Insurance

Rated 5 out of 5 stars

Excellent service all around

Excellent all around

August 20, 2026
Animal Friends Insurance logo

Reply from Animal Friends Insurance

Good Morning Barbara,

Thank you for your positive review.

Please do let us know if we can be of any further assistance, and we will be happy to help you.

Kind regards,
Sophie – Animal Friends Insurance

Rated 1 out of 5 stars

Made a claim for first time in years

Made a claim for first time after years of paying the insurance to be told I can’t claim. Tried to contact animal friends. On hold for ages. Filled in a form for them to discuss this and still not heard from them. Very disappointing and unprofessional

August 13, 2026
Animal Friends Insurance logo

Reply from Animal Friends Insurance

Good Afternoon,

We are sorry to hear that you are unhappy with the outcome of your claim.

I can confirm if treatment for a condition falls over the renewal period the excess will be collected again. This is due to the excess being deducted once per condition per policy year as per the Terms and Conditions of your chosen policy.

Details of when and how the excess is deducted, can be found within your policy documents, which are sent at point of purchase and at every renewal after.

I can see that a member of the team has emailed you this afternoon, to confirm this.

If you would like to discuss your claim outcome further, please do contact our Claims team by phone on 0344 557 0300 or Live Chat on our website. The team are available Monday-Friday, 9am-5pm, and will be happy to help you.

Kind regards,

Becky - Animal Friends Insurance

Rated 5 out of 5 stars

Recently made a claim

Recently made a claim. Insurance paid out very promptly and efficiently.

August 20, 2026
Animal Friends Insurance logo

Reply from Animal Friends Insurance

Good Afternoon,

Many thanks for your review.

Take care,

Becky - Animal Friends Insurance

Rated 5 out of 5 stars

Claims are paid promptly

Claims are paid promptly. Customer Services are very helpful if I’ve needed to contact them and appreciate being able to speak to a person and not a bot.

August 20, 2026
Animal Friends Insurance logo

Reply from Animal Friends Insurance

Hi Ana,

We are so pleased to hear that we been able to help, thank you for your review.

Take care,

Becky - Animal Friends Insurance

Rated 1 out of 5 stars

Save your money yourself

My dog needed out off hour’s treatment, cost £500 to see Vet, animals friends only paid £200, so don’t use these or don’t take your animals out of hours, plus I was charged two excess of £159 each for the same condition.

August 20, 2026
Animal Friends Insurance logo

Reply from Animal Friends Insurance

Hi Irene,

We are sorry to hear that you are unhappy with the outcome of your claim.

All claims are assessed in line with the Terms & Conditions of your chosen policy.

I can confirm we do have capped fees on certain claimable items. These are listed in the “Important Information on Vet Fee Claims Limits” document which is sent to you at point of purchase and each year after at renewal.

I can confirm if treatment for a condition falls over the renewal period the excess will be collected again. This is due to the excess being deducted once per condition per policy year as per the Terms and Conditions of your chosen policy.

Details of when and how the excess is deducted, can be found within your policy documents, which are sent at point of purchase and at every renewal after.

Kind regards,

Becky - Animal Friends Insurance

Rated 5 out of 5 stars

Animal Friends have been brilliant

Animal Friends have been brilliant. They went out of their way to allow me to do a continuation of cover for our dog Milo when my mother-in-law his previous owner passed away.
Milo has sadly had lots of issues and medical problems since then and they have settled them all promptly and without challenge which has been a relief when dealing with a very poorly pet. It has meant we have been able to give him the best of care without worrying about the financial implications.

August 20, 2026
Animal Friends Insurance logo

Reply from Animal Friends Insurance

Hi Karen,

We are so sorry to hear of your loss, please accept our deepest condolences.

We are pleased to hear that we have been able to help you and Milo, thank you for taking the time to leave a review.

Best wishes,

Becky - Animal Friends Insurance

Rated 1 out of 5 stars

After a claim was denied in January dissatisfaction with Final Response Letter

After a claim was denied in January 2026 and I complained that it had been reviewed incorrectly.
A claim for an Ear Infection in 2024 resulted in a note on my policy excluding "Ear Infections and RESULTING Conditions"
The second claim was for Skin Allergy a year later in 2025 and there was no evidence that this was resulting or caused by the Ear Infection.
The Final Response Letter I received did not contain evidenced-based justification from a veterinary to connect the two distinct clinical conditions.
In addition the description of the 2024 condition starts as Ear Infection, later is an Ear/Skin Allergy and finally recorded as EAR Condition.
Sections of comments from my vet are highlighted out of context with statements stating, "In further appointments no Ear Infections mentioned (Mr Brian Stone did not book further appointments to reassess ear problems/infections)
"Note: no ear product has been prescribed since 24/07/2024". "Apoquel is a treatment given for Skin allergies." - All these comments appear to have been ignored by Animal Friends in order to make it appear that the two conditions are the same.
Statement are made in the FRL from Animal Friends using words such as, "It suggests" and "As we believe" is supposition or conjecture, not an evidence based justification.

August 12, 2026
Animal Friends Insurance logo

Reply from Animal Friends Insurance

Good Morning,

We are sorry to hear that you are unhappy with the outcome.

To confirm, all claims are assessed based on the Terms and Conditions of your chosen policy.

Details of what we do and do not provide cover for, can be found within your policy documents, which are sent at point of purchase, and at every renewal after.

I can see that a Final Resolution Letter has been sent to yourself, and if you remain unhappy with the outcome, details of how to escalate this further can be found in there.

If we can be of any further assistance, please do not hesitate to contact the team.

Kind regards,

Becky - Animal Friends Insurance

Rated 5 out of 5 stars

I called customer service and the team…

I called customer service and the team member was very helpful with advice and guidance. The vet and the insurance company communicated and the process was very easy for me.

August 20, 2026
Animal Friends Insurance logo

Reply from Animal Friends Insurance

Hi Lisa,

We are pleased to hear this, thank you for your review.

Best wishes,

Becky - Animal Friends Insurance

Rated 4 out of 5 stars

All good apart from trying to reach an…

All good apart from trying to reach an agent on the phone. Too cumbersome

August 13, 2026
Animal Friends Insurance logo

Reply from Animal Friends Insurance

Hi Andy,

Many thanks for taking the time to leave a review.

Best wishes,

Becky - Animal Friends Insurance

Rated 5 out of 5 stars

The immediate notification of a claim…

The immediate notification of a claim being lodged and then the payment.

August 3, 2026
Animal Friends Insurance logo

Reply from Animal Friends Insurance

Hi Christine,

We are so pleased to hear this, thank you for your review.

Best wishes,

Becky - Animal Friends Insurance

Rated 4 out of 5 stars

Good thorough service

Good thorough service

August 20, 2026
Animal Friends Insurance logo

Reply from Animal Friends Insurance

Hi Alana,

We are so pleased to hear this, thank you for your review.

Best wishes,

Becky - Animal Friends Insurance

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