Animal Friends Pet Insurance Discussion

sheramber

All insurances increase premiums when a pet gets older as there is more likelihood of higher and/or ongoing claims. Most also increase premiums if you make a claim. 

That is why premiums tend to be  cheaper if you haven’t claimed.

Most also introduce a copayment  as well as the excess once the animal reaches a certain age.

This is explained in the policy document which you should read carefully before taking out the insurance, so you know what cover you  get. 

Previous years’ premiums are lost when the year ends. There is no credit carried forward  to  another year and there is no credit for being an ongoing  client. 


Insurance companies are not a charity for pet owners. They are in the business of making a profit for their shareholders.