Who publishes BreedClause, and who pays for it?
A desk without bylines, a company you can look up, and, right now, no advertising at all.
Last checked on 1 September 2026
BreedClause is published by Friendly Faces and written by the BreedClause desk. There are no bylines and no faces, because there is no individual expert behind it. As of 1 September 2026 the site carries no advertising, no affiliate links and no sponsored placements, so nothing on it is paid for by an insurer.
Who writes these pages?
The BreedClause desk, which is a working name for the work rather than a person: pulling the specimen policy each insurer publishes, finding the sentence that states a waiting period or a bilateral rule, recording the form code and section number and the date of reading, and joining that to published prevalence figures for a breed. The rules are on the method page, in full, including what we do not do.
Is there a veterinary or insurance professional on the desk?
No. Not a vet, not a licensed insurance agent, not an actuary. It is worth saying plainly because at least one competitor in this field puts a licensed insurance agent's name above its pages, and that is a genuine credential we do not have. We do not imitate it, in any softened form. What we offer instead is that every cell on this site names the document and the section it came from, so you do not have to trust the desk to check the work.
How will this site make money?
Eventually through advertising links to insurers, and not yet. No pet insurance programme in this market approves a publisher before the site is live and has an audience, so there is nothing to disclose at the moment and nothing hidden. When that changes, three things change with it and all three will be visible: a plain-language notice will appear above the first advertising link on any page that carries one, those links will be marked as advertising in the text rather than only in the code, and this page will say which companies pay us.
What will not change is the ordering. The register sorts on one criterion, stated above every table, and no payment will alter a waiting period, a section reference or a count. If that ever stops being true, the sentence you are reading comes down.
How do I report an error?
Send the page address and the row you think is wrong to elmar@friendlyfaces.nl. The most useful correction names the document: if an insurer has published a newer policy form than the one we read, the form code is the fastest way to show it. We recheck policy wording every quarter, but a changed document between quarters is exactly the thing a reader spots before we do.
Corrections that change a published figure are made on the page and the check date is moved, because a date that moves without a check is a lie. Where a correction changes what a table says, we note what it said before.
What this site is not
It is not veterinary advice and it cannot tell you whether your animal will become ill. It is not insurance advice and it does not recommend a policy. It does not publish premiums per breed, because we do not collect quotes. And it is not complete: the register covers the breeds and insurers whose documents we have actually read, which is a small number that grows slowly, rather than every breed with a page generated for it.