Compare lifetime pet insurance

Lifetime pet insurance with one of these companies could guarantee annual cover towards vet fees if you renew your policy each year.

9 results found, sorted by affiliated products first. How we order our comparisons. Commission earned affects the table's sort order.
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Money.co.uk Exclusive: 1 Month Free
Waggel Pet Insurance
New cover starts for pets aged from
8 weeks
Maximum vet fees
£10,000 a year
Discounts
Introductory discount
Waggel Pet Insurance
1 month free for money.co.uk customers. Waggel offer a comprehensive Lifetime policy that covers reoccurring conditions and includes dental. It allows you to adjust the coverage and excess so that you can find a price to suit your budget.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts8 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts8 weeks
Voted Pet Insurance Provider Of The Year at the 2021 Moneyfacts Consumer Awards
ManyPets Pet Insurance
New cover starts for pets aged from
4 weeks
Maximum vet fees
£15,000 a year
Discounts
15% multi-pet discount
ManyPets Pet Insurance
Over 400,000 pets covered. 18,600 - 5 star reviews on Feefo. FREE unlimited video calls with a vet, 24/7 so you can get expert advice whenever you need it. Hassle-free claims - Online claims with no forms and we we’ll update you as your claim is settled.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts4 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts4 weeks
Pet Insurance Provider of the Year: Moneyfacts Consumer Awards 2020
The Insurance Emporium Pet Insurance
New cover starts for pets aged from
5 weeks
Maximum vet fees
£8,000 per condition a year
Discounts
10% multi-pet discount & 20% introductory discount
The Insurance Emporium Pet Insurance
Voted Pet Insurance Provider of the Year at the Moneyfacts Consumer Awards 2020. Tailor your policy with Optional Benefits to suit your needs and budget. 20% Introductory Discount available for the first year of cover, T&Cs apply.
Some policies from this insurer may not let you claim on the same condition again once your policy has been renewed.
This is an insurance broker.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts5 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts5 weeks
Our Premier and Extra Cover is 5 Star rated by Defaqto
Tesco Bank Pet Insurance
New cover starts for pets aged from
8 weeks
Maximum vet fees
£10,000 per condition
Discounts
-
Tesco Bank Pet Insurance
The Premier and Extra Cover is 5 Star rated by Defaqto.
If you renew this policy any conditions you have already claimed for will not be covered.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts8 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts8 weeks
Pet-insurance.co.uk Pet Insurance
New cover starts for pets aged from
5 weeks
Maximum vet fees
£4,000 a year
Discounts
10% multi-pet discount & 20% introductory discount
Pet-insurance.co.uk	Pet Insurance
Pet-Insurance.co.uk offer both standard and lifetime pet insurance for dogs and cats, designed to suit your individual needs. Their policies can help protect against unforeseen Vet's Fees costs, and much more.
If you renew this policy any conditions you have already claimed for will not be covered.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts5 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts5 weeks
2021 Feefo Platinum Award Winner
Healthy Pets Pet Insurance
New cover starts for pets aged from
5 weeks to 12 years
Maximum vet fees
£7,500 per condition
Discounts
20% introductory discount
Healthy Pets Pet Insurance
20% online discount for new customers, and as specialists, can pay the vet direct, offer free direct debiting, have 3rd party liability for dogs as standard, offer a range of cover to suit all budgets and love pets.
Some policies from this insurer may not let you claim on the same condition again once your policy has been renewed.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover starts12 years
Minimum cat age when cover starts5 weeks
Maximum dog age when cover starts10 years
Minimum dog age when cover starts5 weeks
Free and unlimited access to online veterinary experts
Animal Friends Pet Insurance
New cover starts for pets aged from
4 weeks
Maximum vet fees
£6,000 per condition a year
Discounts
-
Animal Friends Pet Insurance
Award-winning specialist pet insurance for dogs, cats & horses. UK call centre. Animal Friends donates from their profits to animal welfare charities.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts4 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts4 weeks
Agria Pet Insurance
New cover starts for pets aged from
8 weeks
Maximum vet fees
£12,500 a year
Discounts
A multi-pet discount
Agria Pet Insurance
All policies are lifetime cover, up to £12,500 vet fee cover & 24/7 Pet Health Helpline + much more! 5* Defaqto pet insurance and rated ‘Excellent’ on Trustpilot.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts8 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts8 weeks

Looking for another type of pet insurance?

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.

Lifetime pet insurance FAQs

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Can you get cover for your pet with existing conditions?

Even If your pet has suffered an illness, you can still find a pet insurance policy to cover them. Here is what cover you can get for your pet's conditions and how to find it.

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Why compare pet insurance with money.co.uk?

By comparing pet insurance, UK pet owners could save money on their policy. The best value pet insurance will offer the cover pets need at an affordable price. Choose a cover plan from the best UK pet insurance companies and see the online discounts they offer.

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