Lifetime pet insurance

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What is lifetime pet insurance?

The UK’s 16.5 million cats and dogs are part of the family. Lifetime pet insurance can give them comprehensive care for as long as they live.

Lifetime pet insurance is the most comprehensive pet cover you can get. It will cover vet fees for your cat or dog for the whole of your pet's life, as long as you renew your policy each year without a break.

There are two types of lifetime cover:

- cover with an annual limit per condition
- cover with an overall, or lifetime, limit for each condition

Frequently asked questions

What’s included in lifetime pet insurance?

This type of insurance typically covers:

  • Vet costs
    These are usually covered up to a financial limit per condition, per year – usually excluding routine treatments, like vaccinations. At renewal time this financial limit is reinstated. This is handy if your pet develops a condition that requires long-term treatment. Remember that you may need to pay an excess fee before you can claim against the policy.

  • Kennels/cattery costs
    If you couldn’t look after your pet for a while, then your insurance may cover kennels or a cattery costs. There’s usually a financial limit per year to the costs.

  • Third party liability cover
    If your dog injures someone or damages their property, this insurance protects you against costs you’re found to be liable for and any legal fees involved. Liability cover is often £1m or more. This cover doesn’t apply to cats – they’re legally termed ‘free spirits’, which means their owners aren’t liable for their actions.

  • Dental cover
    Some policies may include this for issues caused by accidents or illness.

  • Compensation if your pet is lost or stolen
    Lifetime policies sometimes contribute towards the costs of advertising or other search costs to help find your pet.

  • Cost recovery on a pet’s death
    If your pet passes away due to illness or as the result of an accident, you could get back the price you paid for them. Most policies have an age limit, typically 7-10 years old for a cat and 7-8 years old for a dog, and there’s also usually a financial limit.

  • Euthanasia, cremation and burial
    If the worst does happen, some policies will make a contribution towards the costs of these services.

How much does lifetime pet insurance cost?

  • If you’re a cat owner who wants lifetime cover, we’ve found 50% of customers could pay up to £5.09 a month**.

  • If you’re a dog owner who wants Lifetime cover, we’ve found 50% of customers could pay up to £10.16 a month***.

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


What are the benefits of lifetime pet insurance?

Your pet will be covered for chronic conditions – such as arthritis or diabetes.

You could be protected from the cost of ongoing vet treatment – which can run to thousands of pounds each year.

Your pet will be covered for hereditary conditions – as well as behavioural and complementary treatments, depending on your vet’s recommendation. This is why this type of cover is worth considering for pedigree cats and pedigree dogs, who are more prone to hereditary conditions.

What are the disadvantages of lifetime pet insurance?

  • Premiums for lifetime pet cover can be high compared to 12-month policies

  • Once you pass your pre-set cost limit you’ll have to pay the rest.

  • You have to stay with the same insurance provider year on year to benefit.

What are the other types of pet insurance?

As well as lifetime cover, you have three other pet insurance options:

  • Time limited pet insurance – this will pay vet fees for a year, then you'll have to pay the cost.

  • Accident only pet insurance – covers your pet for accidents, but not long-term illness.

  • Maximum benefit pet insurance – protects you from illnesses and accidents up to a maximum amount per condition.

Comparing lifetime cover

If you'd like to compare lifetime insurance policies, we can help. Get a quote in less than one minute. Start a quote by simply telling us about you and your pet. We’ll provide you with all the relevant lifetime policies that meet your specific needs and save your quote if you want to make changes or come back to it later.

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