Animal Friends vs Waggel
Which Pet Insurance Is Better?
Animal Friends offers higher vet fee limits
Editorial comparison only. VetCost is not regulated by the FCA. We do not arrange or sell insurance. Some links may be affiliate links. Read our methodology.
Animal Friends
Waggel
Price & Cover Comparison
| Metric | Animal Friends | Waggel |
|---|---|---|
| Editor Rating | 3.8/5 | 4.2/5 |
| Dog Price From | £3.00/mo | £15.00/mo |
| Cat Price From | £2.00/mo | £8.00/mo |
| Max Vet Fee Limit | £12,000 | £10,000 |
| Excess From | £69 | £69 |
| Trustpilot Score | 4.5/5 | 4.5/5 |
| Waiting Period | 14 days | 14 days |
Green tick indicates the better value in each category. Prices are indicative and may vary.
Feature Comparison
| Feature | Animal Friends | Waggel |
|---|---|---|
| Dental Cover | ||
| Hereditary Conditions | ||
| Behavioural Therapy | ||
| Pre-existing Conditions | ||
| Travel Abroad | ||
| Multi-pet Discount | ||
| Online Claims | ||
| Direct Vet Payment | ||
| Mobile App |
Pros & Cons
Animal Friends
Pros
- Extremely affordable — dog cover from just £3/month
- Donates millions to animal welfare charities
- Excellent Trustpilot score of 4.5 from 38,000+ reviews
- Full range from accident-only to lifetime cover
Cons
- No dental or behavioural cover on standard plans
- No app — claims process is web-based or phone only
- Defaqto 3-star rated — cover is less comprehensive than top-tier providers
- Maximum enrolment age of 9 is lower than most competitors
Waggel
Pros
- B-Corp certified — ethical and purpose-driven company
- Free 24/7 online vet consultations included with every policy
- Clean, modern app with quick claims processing
- Lifetime-only policies — no confusing tier choices
Cons
- Higher starting price than budget competitors
- No accident-only or time-limited options for those on a tight budget
- Maximum vet fee cover of £10,000 is lower than some rivals
- No travel/abroad cover included
Editor's Verdict
Waggel earns a higher editor rating (4.2 vs 3.8), reflecting stronger overall value. Animal Friends provides higher maximum vet fee cover (up to £12,000), which may suit owners who want comprehensive protection. On price, Animal Friends starts from just £2/month, making it the more budget-friendly option. We recommend getting quotes from both to see which offers better value for your pet's specific needs.
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