Can my pet insurer reject a claim for a pre-existing condition?

Yes, but they must clearly define what counts as 'pre-existing' in the policy. They can't link unrelated conditions. If you disagree, complain to the Financial Ombudsman.

Why does my pet insurance keep going up?

Premiums typically increase as pets age and become higher risk. However, excessive increases can be challenged — check if the insurer is applying loyalty penalties.

What are inner limits and sub-limits?

Many policies have hidden caps on specific treatments (e.g., £1,500 for cruciate ligament surgery even if overall cover is £10,000). Always check the policy schedule for these.

Complain to Animal Friends

UK pet insurance provider

Pet-insurance

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Common Animal Friends Complaints

Claim Rejected

Insurer refusing to pay for treatment citing exclusions or pre-existing conditions

Underpaid Claim

Settlement lower than expected due to hidden inner limits or sub-limits

Excessive Premium Increase

Annual renewal price increased dramatically, especially as pet ages

Pre-existing Condition Dispute

Insurer linking unrelated conditions to deny coverage

Laws That Protect You

Consumer Insurance Act 2012

Requires consumers to take reasonable care when providing information. Insurers can't void policies for innocent mistakes.

FCA Insurance Conduct of Business

Rules for fair treatment, transparent communication, and prompt claims handling.

ICOBS 8

FCA Consumer Duty

Insurance firms must act in customers' best interests and avoid foreseeable harm.

Tips for Animal Friends Complaints

Read the policy document carefully — check for inner limits on specific treatments
Declare everything when taking out the policy to avoid disputes later
Keep all vet records and treatment history
Check if your policy is 'lifetime' or 'per condition' — this affects long-term coverage
The Financial Ombudsman handles pet insurance complaints for free

If Animal Friends Doesn't Respond

1
Claims Team
Allow 15 days
Contact the insurer's claims team for an explanation of the decision
2
Formal Complaint
Submit a formal complaint — insurers must acknowledge within 5 working days
3
Financial Ombudsman
8 weeks
Free escalation after 8 weeks or final response letter
Visit website
4
FCA Report
Report serious misconduct to the Financial Conduct Authority
Visit website

Contact Emails

info@animalfriends.co.uk

Customer Service

complaints@animalfriends.co.uk

Complaints

Expected Response Time

56 days

Pet insurers have 8 weeks to resolve complaints before the Financial Ombudsman can intervene.

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Frequently Asked Questions

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Disclaimer: NoReply is an independent consumer advocacy platform. We are not affiliated with, endorsed by, or connected to Animal Friends or any of the companies listed on this site. Contact information is sourced from publicly available company websites. Statistics shown are based solely on cases filed through our platform. This page is for informational purposes only and does not constitute legal advice.