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Pet cover 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 the most comprehensive 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.

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.

Why choose a lifetime policy?

Here is what we know, our pets are going to cost us money. Pet insurers paid out a record £775 million in claims in 2017 (Abi.org.uk, 2018), so look at pet insurance for what it is - a financial safety net for the unknown.

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.*

(*Subject to the condition being covered by the terms of the policy, the claim being valid and costs not exceeding the annual cover limit. Please be aware that your premiums will not remain the same for the lifetime of your pet. If the health of your pet changes, your premiums are likely to increase in cost.)

Our policies include

Lifetime cover as standard
Up to £4,000 veterinary fees per year
Dental treatment for accident and illness
Complementary therapy
Travel cover
No upper age limit
Third party liability
Claims paid direct to veterinary practice
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Did you know the average cost of surgery for a pet is £1,500? 

In these difficult times, let us worry about the bill while you focus on your pet.

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Dog Cover

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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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 £4,000 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 £4,000 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

Your policy will cover the cost of dental treatment required as a result of accident or illness providing your dog has had its teeth checked by a vet in the 12 months before the onset date of the claim. If any treatment was recommended as a result of the check, this must have been carried out or a claim may be refused.

Complementary therapy

If your dog’s accident or illness leads to a diagnosis of needing complementary treatment, including herbal or homeopathic medicine as recommended and prescribed by your vet, we will cover the costs up to £1,000 per year.

Death benefit

Hearing a policy holder’s pet has passed away is the hardest part of our day. We’re all animal lovers, so we understand how difficult this situation can be. We include death benefit as standard in all policies until your dog’s 6th birthday.

No upper age limit

We do not have any upper age limits on our 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.

Third party liability

£1m third party liability cover if you are found to be liable because your dog was responsible for an incident resulting in a third parties’ property damage, injury or death.

Travel cover

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.

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 Cover

Levels of cover

Cover up to £2,000
Get a quote
Cover up to £3,000
Get a quote
Cover up to £4,000
Get a quote
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 £4,000 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 £4,000.*

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

Your policy will cover the cost of dental treatment required as a result of accident or illness providing your cat has had its teeth checked by a vet in the 12 months before the onset date of the claim. If any treatment was recommended as a result of the check, this must have been carried out or a claim may be refused.

Complementary therapy

If your cat’s accident or illness leads to a diagnosis of needing complementary treatment, including herbal or homeopathic medicine as recommended and prescribed by your vet, we will cover the costs up to £1,000 per annum.

Death benefit

Hearing a policy holder’s pet has passed away is the hardest part of our day. We’re all animal lovers, so we understand how difficult this situation can be. Therefore, we include death benefit as standard in all policies until your cat’s 6th birthday.

No upper age limit

Unlike many insurers, we do not have any upper age limits on our 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.

Travel cover

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