Lifetime Pet Insurance: What are its Covers & How it Works?8 min read

Do you want to get the best lifetime pet insurance? A house is not a house without pets. They give us companionship and unconditional love. So, to protect these amazing animals when they are sick or injured and give them the best medical attention, it is essential to avail Pet Insurance. A Pet Insurance policy is one of the latest insurance schemes.

This scheme covers veterinary expenses incurred for treating a pet who has endured an injury or is sick. Some pet insurance plans also cover the death or loss of the pet that is insured. This helps pet owners eliminate the risk of high expenditure for the pet’s medical treatment and protect its life by providing the best medicine.

What is Lifetime Pet Insurance?

Lifetime pet insurance is usually the most valuable level of cover because it gives the most comprehensive protection.

If you want to get your dog or cat cover for a broad range of illnesses and injuries throughout their life, a lifetime cover can be a good selection.

A lifetime policy is designed to cover any chronic or recurring form during the pet’s lifetime. This is engaging because, with non-lifetime policies, animals might refuse pre-existing medical conditions or when they reach a certain age.

There are two types of lifetime cover:

  • Annual limit per condition
  • Condition limit

What is the Annual Limit per Condition Cover?

If your lifetime cover sets a yearly limit per condition, and your dog grew arthritis, for example, the maximum you could claim for medical treatment for the disease in any one year would be £7,000.

In other terms, if the vet’s bills one year came to £6,500, you would be covered by the policy. But if the bill for the year came in at £8,000, you would have to pay £1,000 out of your pocket.

Considering you renewed the cover at the end of the year, the dog would continue to be insured for arthritis, with the limit on what you could claim being reset to £7,000.

This can be a significant advantage of lifetime policies as treatment can continue across the policy years. Rather than stopping as it would at the end of a single, 12-month policy.

The limit also applies to each condition’. So if your pet was unlucky enough to contract both arthritis and diabetes in the same year, you could claim up to £7,000 (in this example) for the treatment of each condition.

What else Can Pet Insurance Lifetime Cover?

Medical Bills

Vet fees are usually the primary reason for taking out a pet insurance policy. It’s essential to know how far your insurer will go to help you out with the associated costs.

When you compare pet insurance policies, look into whether the insurer covers consultations, examinations, scans, tests, medications, surgery, or hospitalization as part of the policy.

Some policies cover mouth problems with dental cover included, or even alternative therapies such as massage or acupuncture!

You could also consider whether specific therapies or treatments for behavior are covered and to what extent. Individual insurers and policies have their definitions of what is or isn’t excluded from cover.

Third-Party Injury & Accidental Damage

You may find yourself in hot water if your dog causes damage to someone else’s property, or worse still, damage to someone else. As Rover doesn’t have a savings account, you as the owner could be considered responsible for replacing or repairing a damaged item. If he injures somebody, you could face a day in front of a judge for his actions.

Third-party liability cover is sometimes involved in your dog’s insurance policy, and the extent of cover it offers can differ tremendously. So make sure the level of cover is adequate for your requirements.

You won’t find this kind of cover if you’re insuring your cat because, in the eyes of the law, Moggie is considered a free spirit, responsible for her actions! However, accidental damage cover is very much available to both dogs and cats but often with several stipulations and exclusions.

Death Cover & Cremation

Sure, it’s hard to think about! However, some insurers offer a cover level if your pet should die from illness or an accident. Typically, a policy will cover the price you paid for your pet or their current market price. Which may be particularly important if you paid a large sum of money for a highly sought-after breed or pedigree.

Less commonly covered are the costs of cremation, although such coverage is available. You’ll usually need to delve into the policy contents or contact the insurer to find out.

Some of the other advantages and features of a pet insurance policy can cover the similarities of holiday cover. Where an insurer may help towards the costs of travel or accommodation costs should your pet fall ill while you’re away? And if you find yourself needing emergency treatment or hospitalization. Kennel and cattery boarding fees can also be covered under specific policies.

It would be sporadic to find two different pet insurance policies that cover precisely the same things to the same extent. So, a big part of your initial pet insurance purchasing process will be to ensure you’re prioritizing what you want to be covered over price.

Once you have an idea of policies that offer the level of cover you need. You could focus more on price or get the best value for your budget.

What if Your Policy has a Condition Limit?

The second kind of lifetime policy sets a lifetime limit for each condition. If the lifetime limit is £50,000, you would be capable to claim up to £50,000 for each condition over your pet’s lifespan. Unless you choose not to renew the policy.

So if we use the arthritic dog example and assume the animal was treated for arthritis for ten years. And, the total cost came to £45,000, the policy would payout. But if the bill totaled £53,000, the owner would have to find the additional £3,000.

What is Non-Lifetime Pet Insurance?

The non-lifetime cover is less comprehensive but cheaper than lifetime pet insurance. And, it excludes certain conditions once you have reached a specific monetary or time limit.

There are three types of non-lifetime cover:

  • Accident only: this only covers the price of treatment if your pet is in an accident and is the most primary level of cover.
  • Per condition cover: this pays out a limited value for each condition. Once this limit is ended, you will no longer be covered.
  • Time-limited: this has both a position and a time limit which ordinarily lasts 12 months before the condition is eliminated.

Unlike lifetime policies, pre-existing conditions are eliminated when you renew your policy.

What are the Advantages of Lifetime Cover?

A life policy’s main advantages are the continual cover for a particular condition and the high limits.

A more basic pet plan, such as a time-limited policy will only cover the animal for a particular condition for a set period, usually 12 months. At renewal, the condition would then be excluded. The maximum payout for these plans is generally lower too.

If you are concerned about a chronic illness’s high medical expense. Lifetime pet insurance could be a sensible option, particularly if you have a pedigree pet.

How much does Lifetime Pet Insurance Cost?

Pet insurance prices can vary and depend on whether you have a cat or dog, where you live, and the pet’s age and breed. Larger breeds such as Great Danes and St Bernards are extra costly to insure than smaller ones. And, the South East of England is the most expensive area of the UK for pet insurance due to higher vet charges.

Because lifetime policies often have the most extensive coverage offered by insurers, they can be more expensive.

It is worth noting that with lifetime policies, your premiums may rise each year. You will, however, continue to be covered for any circumstances you’ve claimed for in previous years of the policy.


What does lifetime pet insurance mean?

Lifetime pet insurance is the most extensive pet cover you can get. And, it could pay vet charges for your cat or dog for the whole of your pet’s life. Lifetime cover can be the most valuable pet insurance. But, it provides you rest of mind that ongoing conditions should be catered for.

Is pet lifetime insurance worth it?

Lifetime pet insurance is usually the most valuable level of cover because it gives the most complete protection. If you require your dog or cat to be covered for a wide range of illnesses and damages throughout their life. Lifetime cover can be a good option.

What is the difference between lifetime and maximum benefit pet insurance?

While greatest benefit policies offer a fixed, one-off amount per condition with no time limit. Lifetime cover offers a fixed amount per condition, which resets when you renew your policy each year. Because it offers more comprehensive cover, lifetime policies usually cost more than maximum benefit cover. for more details visit