LIFETIME Pet Insurance find the right lifelong cover for your cat and dog in the UK

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What is lifetime cover?

Lifetime cover is the most comprehensive type of cover available. Unlike time-limited policies (Tesco, Argos...) that limit claims to 12 months or per condition plans (More Than, Direct Line) that limit claims to a financial ceiling, lifetime pet insurance will cover your pet and its conditions for life. Each year when you renew, your vet fees allowance will be fully replenished and conditions will be covered continuously, with no exclusions.

For instance if you buy Marks & Spencer Premier Cover, you will have £7,000 to spend in vet fees, each and every year. A per condition cover like More Than will only give you £7,000 to spend per condition. Once you have spent that money (and it goes out quick!), your pet's medical condition is excluded from the policy and no further claims can be made for this specific condition. This won't happen with lifetime cover.

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5 reasons to choose lifetime pet insurance

1. Ongoing conditions covered for life - no exclusions once you're on board, cover for the life of the pet
2. Vet fees fully replenished each and every year
3. Cover continues regardless of your pet's age - cover won't change after a certain age
4. More possibilities of successful treatments - more money available to try alternative treatments should you be unsuccessful the first time around
5. Provided by reputable companies - companies that offer lifetime cover have your pet's best interest at heart

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Lifetime insurance for cats and dogs

With lifetime cat insurance, you can make sure your pet receives the best possible veterinary treatment. Get covered for conditions like urinary tract disease, diabetes, skin conditions, feline asthma that can be ongoing. Although they are indoor a lot of the time, cats can also run into troubles. That's why accidents like foreign body ingestion, bone fractures and poison ingestion are also covered with lifetime pet insurance.

With lifetime dog insurance, your dog can enjoy the happy life it deserves. Dogs are generally more costly to treat than cats and breed size also matters: the bigger, the more expensive to treat. If your dog were to develop arthritis, it could end up costing thousands of pounds in veterinary care. With a lifetime cover, you can make sure your dog gets seen and looked after by a vet each and every year for the rest of its life as long as you renew your policy.

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Lifetime cover is the most comprehensive type of policy available.

There are 3 different types of cover, each payment claims in a different way.

12 month limited: you can claim for a condition up to your vet fees limit for a maximum of 12 months. Once your financial or time limit is up, the condion is excluded from the policy and no further claim can be made for this specific condition. If treatment were to continue past a year, you would have to pay for treatment yourself. Worse, you couldn't switch to another provider as the condition would be classed as pre-existing.

Per condition cover: this type of policy doesn't have a time limit for claims but give you a pot of money to spend in vet fees for each unrelated condition you may be claiming for. Once you have spent your money on a broken leg for instance (and it can go quick), then again any treatment on the leg will be excluded from the policy and you will have to pay for further vet bills yourself.

Lifetime cover: also known as lifelong cover, this is the most comprehensive type of policy. Here, you get an annual pot of money to spend in vet fees, regardless of the condition or treatment. Let's say you get £7,000 per year. When you renew your policy, your vet fees balance is fully replenished, meaning you will get another £7,000 to spend in vet fees in year 2, £7,000 in year 3 and so on and so on. Even better, once you are with a lifelong insurer, conditions are never excluded so you can claim for ongoing treatment year after year. In 5 years, you could spend up to £35,000 in vet fees. That's a real cushion and true peace of mind for you.

With a 12 month cover you could only claim for a maximum of a year and with a per condition cover, money available to you could run out in just 2 or 3 years. That's why it is so important to buy lifetime pet insurance: the only type of insurance that truly covers your cat or dog and their ongoing conditions for life.

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