Lifetime Pet Insurance Cover
Discover everything you need to know about lifetime pet insurance coverage, including how it works, its benefits, and whether it's the right choice for your pet.
What is Lifetime Pet Insurance?
Lifetime pet insurance is often considered the most comprehensive type of pet insurance available. It provides continuous coverage for chronic or recurring conditions throughout your pet's life, as long as you renew the policy each year.
Key Benefits of Lifetime Cover
- Annual renewal of cover limits for all conditions
- Comprehensive coverage for chronic conditions
- Coverage for both accidents and illnesses
- Peace of mind for long-term health issues
How Does Lifetime Cover Work?
With lifetime cover, your pet is protected up to a set amount each year for all conditions. When you renew your policy, the cover limit is refreshed, even for existing conditions. This differs from other policy types where cover for specific conditions might be limited or expire.
Is Lifetime Cover Right for Your Pet?
Lifetime cover is particularly suitable for:
- Young pets who might develop chronic conditions
- Breeds prone to hereditary conditions
- Pet owners wanting comprehensive, long-term protection
- Those who prioritize peace of mind over cost
Cost Considerations
While lifetime cover typically costs more than other policy types, it often provides better value in the long run, especially if your pet develops a chronic condition. Premiums usually increase with your pet's age and after making claims.
Common Exclusions
Even with lifetime cover, be aware of common exclusions:
- Pre-existing conditions
- Routine and preventative treatments
- Waiting periods for new policies
- Dental treatments (unless caused by accident)