Tel: 020 3750 0022

Lifetime Dog Insurance

We’re committed to simplicity and quality, which is why we have just one comprehensive Lifetime policy, with the option of 5 different cover levels to suit your needs.

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Cover Levels

Our lifetime policy will cover vet fees up to the cover level that you choose. This is reinstated each year the policy is renewed.

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

What is Insured?

Veterinary fees

Our lifetime policy will cover vet fees up to the cover level that you choose.

Included within the overall veterinary fee limit is:

☑ Dental Treatment

Up to £2,000 each policy term to treat your pet.

☑ Complementary Treatment

Up to £1,000 each policy term towards vet recommended treatment to treat your pet for an illness or injury.

☑ Death from Injury or illness

Up to £1,000 towards the purchase price, or if you have no proof of purchase, up to £150 for the loss of a dog, whichever is less.

Third party liability cover

Provides cover if a person or third party is accidentally injured, killed, or their property is damaged as a result of an incident involving your dog - up to £2,000,000 each policy term.

Where am I Insured?

Within the territorial limits of the United Kingdom (which consists of England, Scotland, Northern Ireland & Wales).

Third Party Liability only applies to incidents in the United Kingdom.

This insurance also extends your vet fees cover to your pet whilst temporarily located in a member Country of the PETS Travel Scheme, the Channel Islands, or Isle of Man for a maximum of 30 days per trip up to a total of 60 days in a policy term.

What is not insured?

This policy does not provide cover in any circumstances for:

Under Veterinary fees

Death from Injury or Illness

Third party liability cover (dog owners)

What are my obligations?

When and how do I pay?

When does the cover start and end?

How do I cancel the policy?

If you cancel after 14 days and a claim has been paid in the policy term, the full annual premium is still payable.

FirstVet logo

All our policies include unlimited access to 24/7 online veterinary consultations with FirstVet.

FirstVet is staffed by experienced UK-registered veterinarians, who provide triage and advice. The service runs 24 hours a day and 7 days a week, so whether you are at home, at the park, or hiking in the mountains, you can access professional advice for your dog wherever you are.


How much cover do I need?

Unfortunately, there's no way to predict future health issues with your pet. You might never need to make a claim, or your pet might need treatment at some point. While you can't foresee the future, it's helpful to research your pet's breed to learn about common illnesses and potential treatment costs. We offer a choice of cover levels providing between £2,000 - £10,000 every year to cover the costs of unexpected vet fees. This allows you to choose a policy that is right for both your pet and your budget.

Can I change cover levels later?

You can change cover levels but only at renewal. This is because it involves cancelling your current policy and setting up a new one with the new policy limit. As this would be a new policy, this also means you'll have to repeat the waiting period (14 days for illness and 48 hours for accidents) and any pre-existing conditions that showed symptoms or were treated on your previous policy won't be covered on your new policy.

Is there a limit to how many claims I can make?

No, there are no limits to the number of claims you can make in any year. You can claim as many times as you need to, up to the cover limit you choose.

What are your opening hours?

Monday to Friday from 8:30 am to 6 pm, and Saturdays from 9 am to 1 pm. We're closed on Sundays and Bank Holidays. Claims are open Monday to Friday from 9:00 am to 5 pm and closed Bank Holidays.

From 01/08/2024 the hours will be changing to Monday to Friday 9am to 5pm. We will be closed on Saturdays, Sundays and Bank Holidays. Claims are open Monday to Friday from 9:00 am to 5 pm and closed Bank Holidays.

What do I do if I need to cancel my policy?

Contact our customer service team on 0203 750 0022 or email us at [email protected]. If you haven't made any claims and don't plan to, customers who pay in full will receive a pro-rated refund based on how long the policy was live. Monthly payers will simply stop having any further payments collected. If you have made, or are looking to make a claim(s) for any reason on your policy, you will need to pay the remaining years premium as part of the cancellation.

Can I check if a specific illness/scenario will be covered before I buy the policy?

We work on a non-advisory basis, so we cannot make any recommendations or indicate/guarantee cover for a claim in advance of our claims colleagues having reviewed all the claim information and your pet’s medical history.

Can I send you my pet's veterinary notes so you can review beforehand if anything specific would/would not be covered?

No, this isn’t necessary as we do not require any of your pet’s medical history unless you ever need to make a claim. We are currently unable to offer any type of “pre-authorisation” on potential claims.

Is routine flea and tick treatment covered?

No. Pet insurance intends to cover unexpected vet fees because of illness or injury. It will not provide cover for routine treatments or neutering/spaying your pet, as these are general wellbeing treatments and part of responsible pet ownership.

Does it cost more to pay monthly instead of annually?

No, we don't charge any APR for monthly payments.

Will the cost of my policy go up in the future?

Yes. Like humans, pets are more likely to fall ill as they get older. As a result, premiums increase yearly as your pet gets older and to reflect changes in veterinary inflation. Making a claim can cause a more significant premium increase at the next renewal.

How do I change details on my policy?

Contact our customer service team on 0203 750 0022 or email us at [email protected]. Like other insurance products, changing policy details can result in an increase or decrease to your premium. We'll let you know of any changes to your premium after updating the details.

What happens if I am unable to pay for my insurance or miss my payments?

We’re here to help. If you are struggling to pay for your policy, contact our customer service team on 0203 750 0022 or email us at [email protected] to discuss any options we can offer you. Please note, if you miss a monthly payment, you'll receive a default notice and a £25 late payment fee. If a second payment attempt fails, your policy will be cancelled.

Policy Wording Document
Insurance Product Information Document