Pets Insurance Lifetime Cover

Lifetime pet insurance cover for your pet is the most comprehensive form of pet insurance that can be purchased. In simple terms, these policies are used to provide financial protection in the event that your pet becomes ill or suffers an accident. Before purchasing any given policy, it is always a good idea to compare a range of insurance quotes. You may wish to take a look at our pet insurance comparison tables below for a selection of offers from different providers:
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Using this type of policy, your insurance provider may require you to renew your lifetime pet insurance cover on an annual basis. However, a variety of different conditions and treatments may be paid for under the terms of a lifetime policy.


An especially comprehensive policy such as this may be well suited to you if you wish to give your pet as much protection as possible for the future. However it is important to note that if the species or particular breed that you own is susceptible to illness or hereditary disease, this may increase the cost of your premiums. Lifetime pet insurance may provide the following benefits:


  • Vet fees that are fully covered
  • Better premiums despite the age of your pet
  • Specialist medical care for your pet
  • Ongoing coverage and protection for your pet
  • The best treatment and opportunity to try alternative forms of medicine


In addition to a lifetime pet insurance policy, there are two other types of standard pet insurance policies:


  • 12 month (annual) limited cover
  • Per condition pet insurance cover


As a lifetime pet insurance is the comprehensive type of policy available, it is worth bearing in mind that they are generally also the most expensive type available. In order to reduce the risk of paying highly expensive premiums, customers are encouraged to shop around as much as possible.

Our Top Picks
ProviderOnline DiscountMax Vet Fees CoveredAdditional Features 
Intro Discount
up to £4,00045% Introductory Discount. With multi-pet cover you can mix and match Standard or Lifetime policies too - there's even a 10% multi-pet discount when you insure more than one pet.Compare pet insurance plans online and discover which level of cover best suits your needs. We love pets and we love great value!Get Quotes >
20%Up to £12,000Dog and Cat Cover - No upper age limit - Long term cover so you claim for conditions like arthritis. Vet fees paid directly - Cover for loss or theft - Vetfone is a 24 hour service offering expert advice and support about anything to do with your pets.Get Quotes >
10%Up to £6,500 (platinum cover)Save 10% when you buy Aviva pet insurance online (subject to a minimum premium. Cover for: Vet fees for illness and injury, Third party liability – up to £1 million for dogs, Boarding kennel or cattery fees – up for £1000 if you have to go into hospital for 48 hours or longer (Platinum cover only). Includes access to Pet Legal and Vet Finder helplines.Get Quotes >
20%Up to £6,000 per yearAmerican Express offers three levels of pet insurance - get 20% off when you buy online plus get one month’s free premium per policy per year, when insuring two or more pets Get Quotes >
10%Up to £14,000 per yearDog, Cat and Rabbit Cover - Petplan offers genuine Covered for Life pet insurance. Multi-Pet Discount (£12 a year per pet)90% of claims settled within 5 days - Get Quotes >
10%£7,000Prices from £4.09 for cats and £7.58 for dogs. Three levels of cover to choose from. £1,000,000 third party liability cover for dogs.Get Quotes >