Compare Lifetime Pet Insurance

Compare the cheapest lifetime pet insurance policies available from UK life time pet insurance companies so you can protect your pets and your wallet with the best lifelong pet insurance that will pay out when you need it to. Our pet lifetime insurance comparison tables have all the information you need to make the right choice.
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 Pet CoveredOnline DiscountVet Fees 
Per ConditionTotal Per YearLifetime CoverTime Limit
Sainsbury's Bank
 
Pet Insurance
varies
up to
25%
up to
£13,000
UnlimitedUnlimited
25% off online - Intro offer for new customers with a Nectar card who buy a new policy online, plus, 5,000 Nectar points when buying direct . Offers end 28/7/14. Provided by Allianz Insurance plc.
MORE TH>N
Pet Insurance
varies10%£12,000£12,000Unlimited
Award winning cover for as little as £6.35 a month (*based on 10% of new customers, May 2013 - April 2014).
John Lewis Insurance
 
Pet Insurance
varies20%
up to
£12,000
up to
£12,000
Unlimited
Tel 0800 009 4983 0800 009 4983
The Co-operative Insurance
 
Pet Insurance
varies20%£5,000£5,000Unlimited
Sign up today and get up to 20% off online.
helpucover
Pet Insurance
varies10%
up to
£6,000
up to
£6,000
Unlimited
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.
Pet-insurance.co.uk
 
Pet Insurance
varies
up to
35%
up to
Unlimited
£4,000varies
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.
VetsMediCover
Pet Insurance
varies0%
up to
£10,000
up to
£10,000
Unlimited
Does your pet have pre-existing conditions? If they have not had any symptoms or treatment for 24 months we will cover your pet.
Petplan
Pet Insurance
varies10%
up to
£12,000
up to
£12,000
Unlimited
M&S Bank
Pet Insurance
varies15%Unlimited
up to
£7,000
Unlimited
Save 15% on new policies when you buy online (excludes renewals or amendments to existing policies).
Animal Friends
Pet Insurance
varies0%
up to
£6,000
UnlimitedUnlimited
Tel 0843 636 4548 0843 636 4548
Award winning pet insurance from the UK's most liked pet insurance specialists, plus receive a 10% multi-pet discount.
Aviva
Pet Insurance
varies10%
up to
£6,500
up to
£6,500
Unlimited
Legal & General
Pet Insurance
varies0%UnlimitedUnlimitedUnlimited
Get a 10% discount when you insure 2 or more pets with Legal & General. T&C's apply.
RescuemyCar.com
Pet Insurance
varies0%
up to
£12,000
up to
£12,000
YesUnlimited
AA
Pet Insurance
varies5%
up to
Unlimited
UnlimitedUnlimited
Admiral
Pet Insurance
varies5%
up to
Unlimited
UnlimitedUnlimited
Agria Pet Insurance
 
Pet Insurance
varies0%
up to
£7,500
up to
£7,500
Unlimited
Alan Boswell Group
 
Pet Insurance
varies0%UnlimitedUnlimitedUnlimited
Animalcare
Pet Insurance
varies0%
up to
£5,000
up to
£5,000
Unlimited
Argos
Pet Insurance
varies10%£7,000£7,000Unlimited
12 Months for the price of 10 (get a quote using code 12FOR10). T&Cs apply, offer ends 05-07-14.
Asda Money
Pet Insurance
varies0%
up to
Unlimited
up to
Unlimited
Unlimited
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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.

Cat Blonde Man

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 ailment 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 life pet insurance 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 pet 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 lifetime pet insurance 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 pet insurance 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.

Pet Insurance Comparison