Pet insurance for older dogs from Animal Friends Insurance
March 9, 2010 by Webmaster
Filed under Pet Insurance Guide
Are you looking to protect your older dog against accidents and illnesses? Then you probably know how difficult it is to find a pet insurance policy that is both affordable and comprehensive.
Luckily, Animal Friends pet insurance for older dogs offers a wide range of options with no less than 7 covers to choose from.
7 options for older dogs
The policies available to you are the same as for younger pets, i.e. 7 options ranging from accident only cover for a very low premium to Prestige which covers vet fees up to £40,000 for the lifetime of your pet. Whatever your needs, there should be something for you. Have a look at the full list:
- Accident only: £2,000 in vet fees per accidental injury per year
- Basic: £500 in vet fees per condition per year
- Prime and Superior: £2,000 in vet fees per condition per year
- Prime Plus and Superior Plus: £4,000 in vet fees per condition per year
- Prestige: £6,000 per condition per year within the £40,000 lifetime limit
>> Find out more from Animal Friends insurance
Only the excess differs
When your dog reaches a certain age, it becomes more likely to fall ill, develop a medical condition or suffer an accident. You therefore become more likely to claim and that’s why excesses and premiums increase with age.
Animal Friends pet insurance excess for older dog policies consists of a fixed excess of £99 as well as a percentage excess of 35% of the vet bill.
This is very common in pet insurance but if it puts you off, there are other options available. However they may be more expensive as providers compensate by upping the premiums. So it’s a case of finding what’s right for you and your pet.
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Visit Animal Friends pet insurance
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Don’t even bother with cover from animal friends. They won’t pay for diagnosis or treatment or anything else for any dog over 8 that subsequently dies. SO WHAT WAS THE POINT IN TAKING OUT COVER!
They have continued taking direct debits out of my account even though they have written to me saying how sorry they are to hear that Millie has died. They have now refused to pay a penny towards the cost of diagnosis, pain relief, medication etc. Yes the policy states they don’t cover for death due to illness but I don’t want the cost of my dog back or the cost of having her put to sleep, just the cost of the pain killers, antibiotics, blood tests and overnight stay.
Don’t touch these insurers, put your money elsewhere and give your money direct to the charity of your choice.
Hi Liam,
Very sorry to hear about your dog and the troubles you’ve had with Animal Friends at this difficult time.
Was that something that was mentioned in the terms and conditions of your policy? If it wasn’t clear at all, you could complaint to AFI first, and then go to the Financial Ombudsman if you’re not satisfied with their response.
Finally, you can also post this review on http://www.bestpetinsurancereview.co.uk so other customers don’t get caught.
I am DISGUSTED with my experience with Animal Friends Pet Insurance. The price was great and the customer service was fine. The problem has arisen from the free toy they sent for the dog we insured with them. We took the toy to the park and it smashed his teeth out. Accidents happen right. The subsequent vets bill was £209.27 for which I asked for a full refund. They sent £27, I am insulted. If a full refund was recieved this would be a glowing review. It wasn’t. So this isn’t. Do yourselves a favour, steer clear spend the £200 on a nice dinner. Wish I could.
Hi Kate,
Really sorry to hear about this very bad experience. How did they work out that you were only entitled to £27? You can’t really have an excess of £180, can you?
The excess is £99 they would only pay for the actual extraction. No painkillers or antibiotics were covered. So regardless of how the accident happened the insurance wasn’t worth the paper it was written on. I’ve cancelled my policy now! It would have been cheaper to have saved the monthly installments up and bought him an appropriate toy we would hve been quids in!