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Pet Insurance explained

Our award-winning lifetime pet insurance provides comprehensive cover for veterinary bills incurred to diagnose and treat illnesses and accidents for dogs and cats in the UK. A Lifetime policy covers vet fees up to a maximum amount which is reinstated each year the policy is renewed.

About Lifetime Cover

What is lifetime cover?

Lifetime pet insurance is a comprehensive type of pet cover you can get for a dog or a cat.

Our lifetime policy provides cover for veterinary bills incurred for accident and illness including dental treatment, up to the annual cover limit that you select. When the policy is renewed, the annual limit is reinstated and your pet will continue to be covered for any treatment incurred from accidents and illnesses they experience whilst the policy is live. Insurance policies are 12 month contracts. Ongoing cover for lifelong conditions are subject to premiums remaining up to date at all times, you renew your policy and the insurer offers renewal.

Other types of cover available on the market such as “Time Limited” or “Max Benefit” may exclude conditions after claims have been made for a set period of time or payments have reached the agreed Maximum Benefit amount.

Lifetime policies are often the more expensive pet insurance option, however they give you the peace of mind that your furry friend's ongoing conditions will be covered for the life of the policy, so long as it doesn’t pre-date the policy.

Bones
Lifetime Pet Cover's Buster the Beagle

Why choose a lifetime policy?

Here is what we know, our pets are going to cost us money. The ABI reports that pet insurance payouts topped a record £1 billion in 2022. This substantial increase compared to previous years largely reflects the increasing cost of veterinary treatment, including drugs and diagnostic equipment, which can result in more expensive claims.

With Lifetime Pet Cover policies, if your pet is unfortunate enough to develop a lifelong or chronic condition such as arthritis or diabetes, we will cover their treatment and medication year after year for that condition.*

Premiums will likely increase each year you renew your policy. This is due to many factors, including your pet getting older, veterinary treatment inflation, where you live, our claim statistics and the claim history of your pet.

*Subject to the condition being covered by the terms of the policy, the claim being valid and costs not exceeding the annual cover limit. 

Our policies include

Lifetime cover for ongoing conditions
Up to £10,000 veterinary fees per year
Dental treatment for accident and illness*
Complementary therapy*
Cover Abroad
No upper age limit for existing policies
Claims can be paid direct to your vets

* Limits apply

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Vet Treatment Can Be Pricey! 

Within their 2022 data, the ABI shared the below stats:

  • Claims for spinal surgery are the most common high value claims, often costing £8,000 - £10,000
  • A fractured femur for a pedigree cat cost over £8,000. The most common ongoing claims are to treat diabetes and skin conditions. Treatment for arthritis in a dog can cost over £2,000; typically, £1,000 to treat diabetes in a cat
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Dog Insurance

Levels of cover

Cover up to £2,000
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Cover up to £3,000
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Cover up to £4,000
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Cover up to £6,000
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Cover up to £10,000
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For new policies starting on or after 01/12/2023, our policy benefits vary depending on the product you choose, as below:

Lifetime Pet Cover Policy Benefit Table
Lifetime Pet Cover's Buster the Beagle sleeping in his bed

Lifetime cover

A lifetime policy will cover vet fees up to a maximum amount. This is reinstated each year the policy is renewed. There is no limit on the number of claims that can be made each year, providing the total amount does not exceed the annual cover limit.

With our award-winning lifetime dog insurance, your dog is covered for both accidents and illnesses.

  • Accidents: A sudden and unexpected event which results in bodily illness or injury to your pet.
  • Illness: Changes to a normal healthy state, sickness, disease, defect and abnormalities.

Benefits explained

Up to £10,000 veterinary fees per year

Our straightforward approach means all policies are the same apart from the annual veterinary cover limit which ranges from £2,000 to £10,000 per year.*

If you go over your annual cover limit, you will be liable for any further costs within that 12-month period, however your annual limit is reinstated upon renewal.

*There are minor differences between policies for dogs and cats.

As well as the annual cover limit, all policies include dental treatment, complimentary therapy, travel cover, and death benefit as standard.

Dental treatment for accident and illness

Every Lifetime Pet Cover policy includes dental cover for accidents and illness up to a limit of £2,000.

Any dental claims paid will be deducted from your overall annual cover level which will be reinstated every year you renew.

Complementary therapy

Complementary therapy is included in all lifetime pet cover policies, though a limit is applied which is determined by your policy's overall cover limit. These limits are:

  • If your annual cover limit is £2,000 or £3,000, your annual limit for complementary therapy will be £500
  • If your annual cover limit is £4,000, £6,000, or £10,000, your annual limit for complementary therapy will be £1,000

Any claims made for complementary therapy will be deducted from your policy's overall cover limit and will be reinstated each year your policy renews.

Please view our policy wording document for our terms regarding complementary therapy claims.

Death benefit

All Lifetime Pet Cover policies include cover for death of pet for accidents and illness, up to a limit which is determined by your policy's overall cover limit. These limits are:

  • If your annual cover limit is £2,000 or £3,000, your annual limit for death of pet cover will be £500
  • If your annual cover limit is £4,000, £6,000, or £10,000, your annual limit for death of pet cover will be £1,000

For death of pet due to accident, there is no age limit. 

For death of pet due to illness, claims will not be paid after your pet turns 8 years old. 

Any claims made for death of pet will be deducted from your policy's overall cover limit.

Please view our policy wording document for our terms regarding death of pet claims.

No upper age limit for existing policies

We do not have any upper age limits on our existing dog lifetime policies and do not put any exclusions on cover as your dog gets older. This means we’re able to provide our comprehensive lifetime pet insurance policy for older dogs too.

Claims paid direct to veterinary practice

We are happy to deal directly with your vet and pay claims directly, where they have this as an option.

Whether or not this is possible is always determined by your vet, not by Lifetime Pet Cover.

Cover Abroad

Your pet will be covered anywhere in the world for up to three (3) months every year, so if you wanted to take your pet on holiday with you and they became ill, you could claim those bills back.

Lifetime Pet Cover's Buster the Beagle jumping

Your regular walk in the forest could one day lead to a tumble and a £2,500 vet bill

We're here so, when accidents like this happen, you only need to focus on your furry friend.

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Documents

Policy wording document
Insurance product information document
Cat Insurance

Levels of cover

Cover up to £2,000
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Cover up to £3,000
Get a quote
Cover up to £4,000
Get a quote
Cover up to £6,000
Get a quote
Cover up to £10,000
Get a quote


For new policies starting on or after 01/12/2023, our policy benefits vary depending on the product you choose, as below:

Lifetime Pet Cover policy benefit table
Lifetime Pet Cover's Luna the cat chasing after a ball of string

Lifetime cover

A lifetime policy will cover vet fees up to a maximum amount. This is reinstated each year the policy is renewed. There is no limit on the number of claims that can be made each year, providing the total amount does not exceed the annual cover limit.

With our award-winning lifetime cat insurance, your cat is covered for both accidents and illnesses.

  • Accidents: A sudden and unexpected event which results in bodily illness or injury to your pet.
  • Illness: Changes to a normal healthy state, sickness, disease, defect and abnormalities.

Benefits explained

Up to £10,000 veterinary fees per year

Our straightforward approach means all policies are the same apart from the annual cover limit which ranges from £2,000 to £10,000.*

If you go over your annual cover limit, you will be liable for any further costs within that 12-month period, however your annual limit is reinstated year on year so long as you renew the policy.

*There are minor differences between policies for cats and dogs.

As well as the annual cover limit, all policies include dental treatment, complimentary therapy, travel cover, and death benefit as standard.

Dental treatment for accident and illness

Every Lifetime Pet Cover policy includes dental cover for accidents and illness up to a limit of £2,000.

Any dental claims paid will be deducted from your overall annual cover level which will be reinstated every year you renew.

Complementary therapy

Complementary therapy is included in all lifetime pet cover policies, though a limit is applied which is determined by your policy's overall cover limit. These limits are:

  • If your annual cover limit is £2,000 or £3,000, your annual limit for complementary therapy will be £500
  • If your annual cover limit is £4,000, £6,000, or £10,000, your annual limit for complementary therapy will be £1,000

Any claims made for complementary therapy will be deducted from your policy's overall cover limit and will be reinstated each year your policy renews.

Please view our policy wording document for our terms regarding complementary therapy claims.

Death benefit

All Lifetime Pet Cover policies include cover for death of pet for accidents and illness, up to a limit which is determined by your policy's overall cover limit. These limits are:

  • If your annual cover limit is £2,000 or £3,000, your annual limit for death of pet cover will be £500
  • If your annual cover limit is £4,000, £6,000, or £10,000, your annual limit for death of pet cover will be £1,000

For death of pet due to accident, there is no age limit.

For death of pet due to illness, claims will not be paid after your pet turns 8 years old.

Any claims made for death of pet will be deducted from your policy's overall cover limit.

Please view our policy wording document for our terms regarding death of pet claims.

No upper age limit for existing policies

Unlike many insurers, we do not have any upper age limits on our existing cat lifetime policies and do not put any exclusions on cover as your cat gets older. This means we’re able to provide our comprehensive lifetime pet insurance policy for older cats too.

Claims paid direct to veterinary practice

We are happy to deal directly with your vet and pay claims directly, where they have this as an option.

Whether or not this is possible is always determined by your vet, not by Lifetime Pet Cover.

Cover Abroad

Your pet will be covered anywhere in the world for up to three (3) months every year, so if you wanted to take your pet on holiday with you and they became ill, you could claim those bills back.

Lifetime Pet Cover's Luna the cat standing up out of a box

As veterinary treatment improves year on year, the costs are increasing

Let us worry about these costs so your pet can get the treatment they need.

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Documents

Policy wording document
Insurance Product Information Document