Last updated: 13 April 2022
How can I protect my pet for their whole life?
If you want to protect your pet against any condition they may get over the course of their life, a lifetime pet insurance policy could be the right option.
Lifetime pet insurance is the most comprehensive level of pet insurance you can buy, but it can also cost more than other policies.
What is lifetime pet insurance, and how does it work?
Lifetime pet insurance is designed to cover vet fees resulting from injury or illness over your pet’s life, essentially functioning as fixed-for-life pet insurance. Your pet will be covered until they die, as long as you keep up with your payments.
Most insurers set an annual claim limit on the amount they’re willing to put towards the cost of vet treatment each year – for example, £10,000. Other types of pet insurance may only cover vet fees for either:
injuries resulting from an accident
a fixed time period for a condition after which you cannot claim – this is usually 12 months
a set amount of money for any condition that does not renew – after you reach the limit which you can no longer claim
This guide explains more about the different types of pet insurance policy you can get.
How to find the best lifetime cover
Lifetime cover is best purchased when your pet is young and healthy because it will be much harder and more expensive to find a policy when they are older or have existing conditions.
You can find the best lifetime pet insurance for your pet by considering:
Required cover: work out how much cover you need for vet fees. You can use our comparison to see the levels each insurance company offers
Potential extras: it may be useful to have cover for situations like theft, death, boarding fees or third-party liability. This guide explains what is covered by a pet insurance policy
The right price: comparing policies that offer all the cover you need helps find the right one for you
Here is more on how to find the best pet insurance policy, including what cover levels you should look out for.
