Lifetime Pet Insurance

What is lifetime pet insurance?

Lifetime pet insurance policies offer the most comprehensive level of cover. Due to this, pet insurance with lifetime cover tends to be the most expensive type of pet insurance policy you can get. A lifetime pet insurance policy is a great option if you want your pet to be covered for a wide variety of injuries and illnesses throughout their life.

What types of lifetime pet insurance can I get?

You can choose from two types of lifetime pet insurance:

  • Annual limit per condition
  • Condition limit

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Annual limit per condition

Pet insurance with lifetime cover often has an annual limit per condition. If this is the case for your pet’s lifetime cover, you’ll be able to claim a maximum amount for each condition your pet develops. For example, your policy could have a condition limit of £7,000. If your dog developed diabetes and the vet bills for the year came to £5,000, the cost would be covered by the policy. However, if the vet bills came to £7,500 for the year, you’d have to pay out the remaining £500. If you renew the cover at the end of the year, the limit would be reset.

The benefit of having an annual limit per condition is that if your pet is unfortunate enough to develop more than one condition, you can claim the maximum amount for the treatment of each condition.

Condition limit

Pet insurance with lifetime cover that has a condition limit allows you to claim a set limit per condition for life. For example, if the lifetime limit is £50,000, you can claim up to £50,000 for each condition throughout your pet’s life, as long as you renew the policy every year.

What are the pros and cons of lifetime pet insurance?


  • Covers chronic conditions
  • Covers hereditary conditions
  • Protects you from the cost of ongoing treatment


  • Premiums can be costly compared to time limited policies
  • Once you’ve reached the maximum set limit, you’ll have to pay the rest
  • You have to stay with the same provider each year to benefit

What does lifetime pet insurance cover? 

This will vary depending on the provider you choose. The best lifetime pet insurance policies will include cover for:

Vet fees

Vet fees are normally covered up to a maximum financial limit per year. The limit is reset each year you renew your policy.

Kennels/cattery costs

If for any qualifying reason you can’t care for your pet for a while, your insurer might cover kennel or cattery costs up to a financial limit pet year.

Third party liability cover

If your dog is responsible for injuring someone or damaging their property, third party liability cover protects you against costs that you’d be liable to pay and any legal fees involved. This cover isn’t available for cats as owners aren’t liable for their actions.

Compensation if your pet is stolen or missing

Lifetime pet insurance policies might contribute towards any costs associated with your pet going missing, such as advertisement campaigns and a reward to help get your pet back home safely.

Compensation if your pet passes away

If your pet passes away due to an illness or accident, you could claim back the price you paid for them. Most policies have an age limit and financial limit.

Euthanasia, cremation and burial

To help relieve the stress and heartache associated with losing your cuddly companion, most insurers will make a contribution towards the costs of these services.

What other types of pet insurance can I get?

There are three other types of pet insurance policies available: 

Grey French Bulldog

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Find the best lifetime pet insurance for your pet and compare pet insurance providers on Compare by Review today. We’re the first and only comparison site that ranks pet insurers exclusively on customer experience and product quality rather than price, taking into account lifetime pet insurance reviews from real customers. Our full table of providers gives you an impartial and unbiased overview so you can purchase pet insurance from a high-quality provider that you can rely on when you need them most.


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