This is a list of pet insurance companies that offer lifetime cover.
You can visit each insurer's website to view policy details and get quotes. How our site works.
MORE TH>N Pet Insurance
Cover for Pets Aged From
8 weeks
Maximum Vet Fees
£12,000 a year for life
Discounts
up to 10% Online & Multi-Pet Discount
With More Than Premier policy you can get peace of mind for as little as £6.51 a month (Based on 10% of new customers, Feb 2014 – Jan 2015)
LV= Pet Insurance
Cover for Pets Aged From
8 weeks
Maximum Vet Fees
£10,000 a year for life
Discounts
up to 10% Online & 5% Multi-Pet Discount
10% online discount, with vet fees covered up to £10,000. No upper age limit and LV= can pay your vet directly. The UK’s most recommended insurer (You Gov Brand Index, March '14 to Feb '15)
helpucover Pet Insurance
Cover for Pets Aged From
8 weeks to 9 years
Maximum Vet Fees
£6,000 a year for life
Discounts
up to 10% Online & a Multi-Pet Discount
Your pet deserves the best, but could you afford the vet bill if they are sick or injured? Helpucover Pet Insurance can help and offers a 10% online discount.
Animal Friends Pet Insurance
0843 636 4548
Cover for Pets Aged From
5 weeks
Maximum Vet Fees
£6,000 per condition a year for life
Discounts
10% Multi-Pet Discount
Award winning pet insurance from the UK's most liked pet insurance specialists, plus receive a 10% multi-pet discount.
Surewise.com Pet Insurance
Cover for Pets Aged From
8 weeks to 10 years
Maximum Vet Fees
£6,000 per condition for life
Discounts
10% Multi-Pet Discount
Surewise.com Pet Insurance from as little as £5.40 per month for dogs or as little as £3.75 for Cats. Also, 10% discount on multi pet insurance and 80% off breeds listed on a non Co Insurance Basis. T&Cs apply.
John Lewis Insurance Pet Insurance
0800 009 4983
Cover for Pets Aged From
8 weeks
Maximum Vet Fees
£12,000 a year for life
Discounts
up to 20% Online & 5% Multi-Pet Discount
The Co-operative Insurance Pet Insurance
Cover for Pets Aged From
6 weeks to 9 years
Maximum Vet Fees
£5,000 a year for life
Discounts
up to 20% Online & a Multi-Pet Discount
New customers receive 20% Discount in the 1st year. Ts and Cs apply. Get a quote today.
Pet-insurance.co.uk Pet Insurance
Cover for Pets Aged From
5 weeks to 7 years
Maximum Vet Fees
£4,000 a year for life
Discounts
up to 45% Online & 10% Multi-Pet Discount
Pet-Insurance.co.uk offers standard (12 months) or lifetime cover with vets fees of £4,000 per month. An extra 10% discount is available for multi-pet policies.
Petplan Pet Insurance
Cover for Pets Aged From
6 weeks to 9 years
Maximum Vet Fees
£12,000 a year for life
Discounts
up to 10% Online & a Multi-Pet Discount
Petplan is the UK's No.1 pet insurance provider (Datamonitor Dec 2013) and 8 out of 10 vets would choose Petplan to insure their own pet (Vetfile Feb 2014). Not all pet insurance is the same so choose your policy wisely.
VetsMediCover Pet Insurance
Cover for Pets Aged From
8 weeks to 8 years
Maximum Vet Fees
£10,000 a year for life
Discounts
-
Cover for pre-existing conditions if they have not had any symptoms or treatment for 24 months. (T&Cs apply) Prices start at £9.21 a month.
Aviva Pet Insurance
Cover for Pets Aged From
8 weeks to 10 years
Maximum Vet Fees
£6,500 a year for life
Discounts
up to 10% Online & Multi-Pet Discount
Save up to 10% online. Vet fees to £6,500, Third party to £1m-dogs, boarding fees to £1,000 if you have to go to hospital for 48 hrs+. T&Cs
M&S Bank Pet Insurance
Cover for Pets Aged From
8 weeks
Maximum Vet Fees
£7,000 a year for life
Discounts
up to 15% Online & 5% Multi-Pet Discount
Save 15% on new policies when you buy online (excludes renewals or amendments to existing policies).
NCI Pet Insurance Pet Insurance
Cover for Pets Aged From
6 weeks to 8 years
Maximum Vet Fees
£12,000 a year for life
Discounts
-
12 Months cover for the price of 11.
American Express Pet Insurance
Cover for Pets Aged From
8 weeks to 9 years
Maximum Vet Fees
£2,000 per condition a year for life
Discounts
up to 20% Online & a Multi-Pet Discount
AA Pet Insurance
Cover for Pets Aged From
8 weeks
Maximum Vet Fees
Unlimited cover for life
Discounts
up to 5% Online & Multi-Pet Discount
Admiral Pet Insurance
Cover for Pets Aged From
8 weeks
Maximum Vet Fees
Unlimited cover for life
Discounts
up to 5% Online & 10% Multi-Pet Discount
Adrian Flux Pet Insurance
Cover for Pets Aged From
8 weeks
Maximum Vet Fees
£4,000 a year for life
Discounts
-
This is an insurance broker.
Agria Pet Insurance Pet Insurance
Cover for Pets Aged From
6 weeks to 9 years
Maximum Vet Fees
£7,500 a year (up to £12,500 total a year)
Discounts
-
Animalcare Pet Insurance
Cover for Pets Aged From
6 weeks to 9 years
Maximum Vet Fees
£5,000 a year for life
Discounts
-
Argos Pet Insurance
Cover for Pets Aged From
8 weeks
Maximum Vet Fees
£7,000 a year for life
Discounts
up to 10% Online & Multi-Pet Discount

We provide an independent comparison service free of charge but we may receive a commission from some of the companies we refer you to. These are indicated with purple buttons.

How to Find Cheap Lifetime Pet Insurance

Lifetime pet insurance can help you to cope with the cost of veterinary bills and medication if your pet develops a long term health condition like diabetes or arthritis.

Most pet insurance policies place a limit on the amount you're able to claim for each health condition.

This means if you're pet develops an illness that needs long term treatment, you'll be left footing the bill once you've claimed as much as you can - with vet bills getting more expensive by the day this could see you paying out an extortionate amount to keep your pet healthy and pain free.

This is where pet insurance lifetime cover has its real value.

The best lifetime pet insurance policies don't place a cap on how long, or how much you can claim for treatment of an ongoing condition. So if your pet develops a health problem that's going to require long term care, you won't have to worry about how you'll pay for it.

How does lifetime pet insurance work?

A lifelong pet insurance policy will pay out to cover the cost of ongoing veterinary treatment for as long as you continue to pay your premiums and renew your insurance with the provider.

Some policies will place a yearly cap on the amount you can claim for each condition, but this will reset itself when you renew your policy. Other policies won't place any kind of limit on what and when you can claim.

It's worth noting that most pet insurance companies won't pay out to cover pre-existing conditions, and because of this you won't easily be able to switch insurer once you start claiming for treatment of a long term health problem.

However, if you already have lifelong pet insurance in place, you won't have to worry.

How do I choose the best lifetime pet insurance?

That said, you do need to make sure that you take extra care to check that you're happy with the policy features, benefits and exclusions when you choose a life pet insurance policy because you really are taking out pet insurance for life!

Of course, you will be able to switch to a different pet insurance provider, or even stop paying for insurance altogether. But once you start claiming for treatment for an ongoing condition, finding another insurer to cover it will be incredibly difficult - if not impossible.

Make sure that you check whether the insurer will cover hereditary and congenital conditions (those that are present from birth), whether there is an annual limit on how much they will pay out for each condition and whether they will guarantee cover for your pet in old age.

Some so-called lifetime pet insurance policies will reserve the right to significantly increase your premiums, significantly increase your excess, or stop paying out for treatment for a previously covered condition once your pet reaches a certain age - you need to make sure that you choose a company that doesn't do this.

You will also need to check the excess the pet insurance company will charge when you make a claim and ensure that you can comfortably afford to meet this.

You may be able to make your lifetime pet insurance policy a little cheaper by increasing your voluntary excess so you pay more when you make a claim. However, you will need to work out whether this is worthwhile if you start making regular claims for ongoing treatment.

Finally, while lifelong policies can work out a little more expensive than pet insurance that is designed to pay out for short term care, they do provide invaluable reassurance that if your pet does develop an ailment that needs ongoing treatment, you'll be able to afford it.

What's more, if you shop around and compare your options you will be able to find cheap lifetime pet insurance that provides you with real value for money.

Featured guide

How to find the right pet insurance

All you need to know about getting quality pet insurance for less.

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