If you are struggling financially due to COVID-19 then please call us on 0344 557 0300 or visit our FAQS.

Puppy Insurance with the benefits of PupStart

  • Cover vet fees from £1000 to £6000
  • Free 24/7 vet video consultations
  • Vet advice tailored to every stage of your puppy’s development
  • 1 month free flea & tick treatment.

Get more than just insurance

We know it’s hard to imagine your beloved pup falling ill or getting hurt, but having insurance cover in place can help protect you from unexpected vet bills, with cover for puppies starting from 4 weeks old.

As an Animal Friends customer, you’ll also get exclusive access to PupStart, to give you all the advice and support you need so you can enjoy the first 12 months of your puppy’s life. With PupStart you’ll have free access to veterinary experts at Joii, to discuss any questions you have to help you care for your puppy.

Terms and Conditions apply

Puppy clinics and training with Joii

Puppy clinics and training with Joii

Have one to one video calls with veterinary nurses at Joii. Raise any concerns or questions you may have, from neutering to food and puppy behaviour.

Pension Scheme

Free unlimited vet video calls

Available from the comfort of your own home, any time night or day 365 days a year, through the Joii Pet Care app.

Retail Discounts

Tailored puppy advice articles

Receive information from Animal Friends and the veterinary experts at Joii, to help you take care of your puppy at key milestones in their development.

Paid sabbaticals

1 month free flea and tick treatment

Get your 1 month free flea and tick treatment when you have your first puppy clinic with the nurses at Joii

Cycle to work

Puppy prize bundle worth £200

Animal Friends will be giving away £200 worth of puppy goodies to a new customer each month. There'll also be 2 runners up prizes.

50% off pet insurance

Free introductory puppy first aid online training

Learn how you can give your puppy first aid, through a free online training session with Dog First Aid Franchise Ltd.

Our policies

We have 5 types of dog insurance policies, including 2 options for Lifetime, each with different levels of cover for the cost of vet fees.

Covers accidents, illness and conditions year after year, up to your chosen cover limit, as long as the policy remains active.
Limits refresh when you renew your policy each year.

There are 2 types of Lifetime policies:

1. Where each condition has a yearly condition limit. Choose a condition limit of £1,000, £2,000, £4,000 or £6,000.

2. Where there is one yearly limit for all claims. Choose a yearly limit of £3,000 or £5,000.


Cover for accidents, illnesses and conditions that last up to 12 months, from when the symptoms started, or until the condition limit is reached.

After 12 months, no futher cover will be provided for that specific condition and you will need to pay for further vets fees yourself. However, you can claim for any new accidents, illnesses or conditions.

Choose a condition limit of £1,000, £2,000 or £4,000.

There is also a yearly limit for all combined claims. Once reached, cover stops for all claims until the next policy year.


Cover for accidents, illnesses and conditions up to your chosen condition limit, whilst the policy remains active.

When the limit for each condition is reached, you will not be able to claim for that condition again.

There is no limit to how many times you can claim for different conditions.

Any pre-existing conditions will not be covered.


Covers vet fees for accidents.

Does not cover illnesses, conditions or have any other benefits.

Covers £2,500 per accident per year.

There is also a lifetime limit of £15,000 for continuing treatment related to each accident as long as the policy remains active.


Pet insurance premiums increase as your pet gets older, as the chance of your pet getting ill increases. Excesses apply to all our policies and a co-payment is currently payable on claims if you renew your policy after your dog turns 8 or your cat turns 10.

What you also get with Animal Friends.

  • Free vet consultation video consultations through the Joii app, 24/7.
  • You’ll be helping us to support animal causes across the world.
  • Your vet can claim online on your behalf, so there’s no paper work to complete.
  • Cover from an award winning pet insurance provider with over 20 years of experience.
START MY QUOTE Excluded breeds list

How much cover do you need?

It is vital that you choose a cover level that is appropriate for both your dog and your budget. This way, should the worst happen to your canine friend, you can ensure that you are prepared…

Find out how much vet fees may cost

What our customers are saying