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Find the right lifetime insurance for your pets.

Get your pets covered from accidents and injuries by securing the best lifetime insurance coverage. We scour the web, finding the UK’s top-rated insurance deals – so you don’t have to.

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Top Rated Providers

Our comparison table is organised by review score, a weighted average of product quality and user feedback from the past year. Click here to find out how we calculate our review score.

  • 1st
    Review Score
    9.2/10

    Based on 101,253 reviews

    Defaqto Rating
    Maximum Vet Fees:
    £15,000
    per policy year
    Excess:
    £99
    dog | cat
    Get a Quote Read more
  • 2nd
    Review Score
    9.0/10

    Based on 7,796 reviews

    Defaqto Rating
    Maximum Vet Fees:
    £12,500
    per policy year
    Excess:
    £105|£95
    dog | cat
    Get a Quote Read more
  • 3rd
    Review Score
    8.9/10

    Based on 82,667 reviews

    Defaqto Rating
    Maximum Vet Fees:
    £12,000
    per policy year
    Excess:
    £110|£95
    dog | cat
    Get a Quote Read more
  • 4th
    Review Score
    8.9/10

    Based on 4,535 reviews

    Defaqto Rating
    Maximum Vet Fees:
    £12,000
    per condition
    Excess:
    £105|£85
    Dog|Cat
    Get a Quote Read more
  • 5th
    Review Score
    8.8/10

    Based on 3,543 reviews

    Defaqto Rating
    Maximum Vet Fees:
    £6,000
    per policy year
    Excess:
    £95|£75
    dog | cat
    Get a Quote Read more
  • 6th
    Review Score
    8.8/10

    Based on 38,001 reviews

    Defaqto Rating
    Maximum Vet Fees:
    £6k
    per condition, per year
    Excess:
    £99
    dog | cat
    Get a Quote Read more
  • 7th
    Review Score
    8.7/10

    Based on 16,100 reviews

    Defaqto Rating
    Maximum Vet Fees:
    £15k
    per policy year
    Excess:
    £120
    dog | cat
    Get a Quote Read more
  • 8th
    Review Score
    8.7/10

    Based on 4,075 reviews

    Defaqto Rating
    Maximum Vet Fees:
    £12k
    per policy year
    Excess:
    £100
    dog | cat
    Get a Quote Read more
  • 9th
    Review Score
    8.6/10

    Based on 4,728 reviews

    Defaqto Rating
    Maximum Vet Fees:
    £3.25k
    per condition
    Excess:
    £99
    dog | cat
    Get a Quote Read more
  • 10th
    Review Score
    8.4/10

    Based on 16,823 reviews

    Defaqto Rating
    Maximum Vet Fees:
    £10k
    per policy year
    Excess:
    £50
    dog | cat
    Get a Quote Read more
  • 11th
    Review Score
    8.3/10

    Based on 4,825 reviews

    Defaqto Rating
    Maximum Vet Fees:
    £10k
    per policy year
    Excess:
    £250
    dog | cat
    Get a Quote Read more
  • 12th
    Review Score
    8.3/10

    Based on 1,835 reviews

    Defaqto Rating
    Maximum Vet Fees:
    £7k
    per policy year
    Excess:
    £99
    dog | cat
    Get a Quote Read more
  • 13th
    Review Score
    8.2/10

    Based on 16,531 reviews

    Defaqto Rating
    Maximum Vet Fees:
    £10k
    per policy year
    Excess:
    £80
    dog | cat
    Get a Quote Read more
  • 14th
    Review Score
    8.1/10

    Based on 918 reviews

    Defaqto Rating
    Maximum Vet Fees:
    £10k
    per policy year
    Excess:
    £99
    dog | cat
    Get a Quote Read more
  • 15th
    Review Score
    8.1/10

    Based on 2,910 reviews

    Defaqto Rating
    Maximum Vet Fees:
    £4k
    per policy year
    Excess:
    £199|£140
    dog | cat
    Get a Quote Read more
  • 16th
    Review Score
    8.0/10

    Based on 8,394 reviews

    Defaqto Rating
    Maximum Vet Fees:
    £5,000
    per policy year
    Get a Quote Read more
  • 17th
    Review Score
    7.7/10

    Based on 1,437 reviews

    Defaqto Rating
    Maximum Vet Fees:
    £10k
    per policy year
    Excess:
    £110|£80
    dog | cat
    Get a Quote Read more
  • 18th
    Review Score
    7.6/10

    Based on 15,594 reviews

    Defaqto Rating
    Maximum Vet Fees:
    £4k
    per condition
    Excess:
    £100
    dog | cat
    Get a Quote Read more
  • 19th
    Review Score
    7.5/10

    Based on 2,769 reviews

    Defaqto Rating
    Maximum Vet Fees:
    £10,000
    per policy year
    Excess:
    £0
    dog | cat
    Get a Quote Read more
  • 20th
    Review Score
    7.2/10

    Based on 528 reviews

    Defaqto Rating
    Maximum Vet Fees:
    £10k
    per policy year
    Excess:
    £90
    dog | cat
    Get a Quote Read more
  • 21st
    Review Score
    6.9/10

    Based on 890 reviews

    Defaqto Rating
    Maximum Vet Fees:
    £8k
    per policy year
    Excess:
    £75
    dog | cat
    Get a Quote Read more
  • 22nd
    Review Score
    6.1/10

    Based on 283 reviews

    Defaqto Rating
    Maximum Vet Fees:
    £12k
    per policy year
    Excess:
    £100
    dog | cat
    Get a Quote Read more
  • 23rd
    Review Score
    5.6/10

    Based on 207 reviews

    Defaqto Rating
    Maximum Vet Fees:
    £10,000
    per policy year
    Excess:
    £120
    dog | cat
    Get a Quote Read more
  • 24th
    Review Score
    3.4/10

    Based on 1,003 reviews

    Defaqto Rating
    Maximum Vet Fees:
    £8k
    per policy year
    Excess:
    £100
    dog | cat
    Get a Quote Read more

Most lifetime pet insurance quotes are provided via Quotezone, who are FCA regulated.

Please note that some of the providers included within our table are not currently offering new policies.

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1000s of reviews, all in one place

We have reviews from 1000s of real customers to offer transparency and choice on one page — helping you make the best decisions for your pet. See what other pet owners who have secured their lifetime pet insurance through Compare By Review have to say.

  • Michelle
    Cover Purchased
    Reviewed without invitation
    Reviewed the Claims experience on 2 Jan 2025

    1 out of 5 paws

    Terrible

    Put a claim in for my dog on 7th August, I paid excess plus 20% of the bill as per policy, the vet signed her off no more treatment needed september , 5 months later the vet is still waiting for pay…
    • Recieved a response over 5 days after their claim was submitted
    • Claim wasn't successful
    • Was neither happy or unhappy with their experience when they spoke to someone
  • Kat
    Cover Purchased
    Reviewed without invitation
    Reviewed the Claims experience on 24 Dec 2024

    1 out of 5 paws

    Pointless

    Have had no success with any claim for our pet leaving up paying for a useless policy cover as well as expensive vet bills. Total waste of time sadly.
    • Recieved a response over 5 days after their claim was submitted
    • Claim wasn't successful
    • Was neither happy or unhappy with their experience when they spoke to someone
  • Kat
    Cover Purchased
    Reviewed without invitation
    Reviewed the Claims experience on 24 Dec 2024

    1 out of 5 paws

    Pointless

    Have had no success with any claim for our pet leaving up paying for a useless policy cover as well as expensive vet bills. Total waste of time sadly.
    • Recieved a response over 5 days after their claim was submitted
    • Claim wasn't successful
    • Was neither happy or unhappy with their experience when they spoke to someone
  • K Trought
    Cover Purchased
    Reviewed without invitation
    Reviewed the Claims experience on 23 Dec 2024