How does it work?
All new medical conditions are covered up to the financial limit in a Time Limited or 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 in 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 months of the policy period.
Is it expensive?
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 March 2016, prices ranged from £44.54 for Accident Only insurance to £277.97 for Max Benefit for a dog.
For a cat, the average prices ranged from £39.68 for Accident Only to £47.88 for Max Benefit.
Our average premiums are based on all our customer quotes, from people with different breeds, ages, sizes and cover. You may find a cheaper or more expensive quote based on your own pet’s details.
While the lowest price might be appealing, make sure that you get the right level of cover that meets both your and your pet’s needs.
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 comprehensive comparison.