Lifetime pet insurance

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Compare Lifetime Pet Insurance

In the UK, we keep some 15.9 million cats and dogs as pets according to the RSPCA. They’re part of our families and we have a special bond with them.

It can be incredibly distressing when your pet becomes ill or has an accident. Specialist medical attention may become a necessity and veterinary costs can become expensive very quickly.

What does Lifetime Pet Insurance include?

  • Vet cost
  • Kennels/Cattery cost
  • Third party liability cost
  • Dental cover
  • Compensation if your pet is lost or stolen
  • Cost recovery on a pet's death
  • Euthanasia, cremation and burial

What isn’t covered by Lifetime Pet Insurance?

Routine treatments such as vaccinations, flea and worm treatment, general dental work and pregnancy aren’t usually covered. Also, a lifetime policy won't cover pre-existing conditions – so it tends to be the earlier in your pet’s life you can take out a lifetime policy the better. The provider is usually happy to insure your pet, but will add an exclusion on your policy for any pre-existing conditions.

Are all Lifetime Pet Insurance policies the same?

No, not all pet insurance policies are the same. Different providers may include different items and different financial cover limits, so it’s important to make sure you read the policy features carefully to ensure that you have the cover you need.

How does Lifetime Pet Insurance work?

New medical conditions are covered up to the financial limit in a Lifetime policy. If the limit is reached during the insurance year, the cover stops until the policy is renewed.
When you renew the policy, the limit is fully reinstated and the condition will continue to be covered by the policy the following year.

This differs from ‘Max Benefit’ and ‘Accident Only’ policies. In Max Benefit policies, once the financial limit is reached the condition becomes ‘pre-existing’ and is excluded from future cover.

Accident Only insurance, as the name suggests covers you only for the costs of vet bills in the event of an accident within the 12 month policy period.

How much does Lifetime Pet Insurance cost?

The cost to insure your dog or cat will vary depending on the level of cover you choose. Based on our average premium price in August 2016, Lifetime pet insurance is £11 a month for dogs*** and £6 for cats** so it could be less than you think.

Our average premiums are based on all our customer quotes, from people with different breeds, ages and sizes You may find a cheaper or more expensive quote based on your own pet’s details – just make sure you have the right cover for you and your pet’s needs.

How can I compare Lifetime Pet Insurance Quotes?

Comparing lifetime pet insurance policies from different pet insurance providers couldn’t be easier. Simply input a few details about you and your pet and we’ll provide you with a comparison – start now!

**50% of customers could achieve a premium of up to £5.14 a month for cat lifetime insurance based on data in February 2018.

***50% of customers could achieve a premium of up to £10.16 a month for dog lifetime insurance based on data in February 2018.