Protect your furry family

What is covered with our Lifetime pet insurance?

• Lifetime cover for illnesses or conditions that occur in the policy year and also up to the vet fee limit you choose.
• The policy limit is refreshed at renewal as long as you remain insured with us and do not cancel your policy.
• Vet fee limits from £4,000 up to £10,000 and in addition each year your vet fees limit will be replenished providing you renew your policy.
• 24/7 pet advice if your pet becomes unwell and you need to speak to a vet over the phone and also through live chat.
• Complementary medicines such as hydrotherapy, herbal or homeopathic medicine, physiotherapy and acupuncture.
• Dental treatments for non-cosmetic and non-preventative dental problems.
• Loss of your pet if it is stolen or strays.

Compare our products to see which level of cover suits your needs

Other things to consider when buying Pet Insurance.

• Pre-existing accidents and illnesses are not covered.
• Your pet must be 8 weeks or older in order to start cover.  There is no upper age limit.
• You will not be covered for vet fees to treat an illness which occurred within the first 14 days of cover.
• You will not be covered for vet fees for accidents for the first 3 days of cover.
• Certain breeds are dogs are not covered.
• Not all vet fee options will be available for all breeds.
• An excess and % contribution will apply to claims you make.  The amount of excess and % contribution will be shown when you get a quote.
• Some benefits may have monetary limits or exclusions.  Compare our products to see which level of cover suits your needs.

Please see the policy documents for full details of the cover

Claims

• A claim being paid increases the likelihood of future claims. In turn, this may cause your renewal price to increase. That increase will depend on your pet’s breed, age and health, so there’s no limit to how much your renewal price can increase over time.

Your renewal price will increase as your pet gets older

• As pets get older, they’re unfortunately more likely to get ill. That’s why your renewal price increases each year and your excess will increase when your pet turns a certain age (5 or 8 years old for a dog, depending on the breed, and 10 for a cat).  Please also note, an overage excess will apply to your policy when your pet turns a certain age (5 or 8 years old for a dog, depending on the breed, and 10 for a cat). After that, you’ll have to pay 20% of any claim you make.