Co Op Insurance Lifetime Pet Insurance
Co-op Insurance Lifetime policies provide comprehensive, long-term pet protection with coverage up to £7,500 annually per condition. Distinguished by their commitment to ethical insurance, they offer member benefits, sustainable practices, and community support. Their lifetime coverage ensures continuous protection for ongoing conditions, with benefits refreshing annually at renewal.
Coverage Benefits
Vet Fee Coverage
Maximum Vet Fees
Covered each year up to no limit per condition with £7,500 yearly limit
Claim Limit
No limit
Vet Fees Excess
You'll pay £200 per condition per year
Additional Benefits
- Death by Accident Cover: £500
- Third Party Liability: £1,000,000
- Boarding Fees: £500
- Lost or Stolen Cover: £500
Support Services
- UK-Based Call Centers
- 24/7 Claims Service
- Vet Advice Helpline
- Bereavement Counselling
- Legal Advice Service
Premium & Cost Breakdown
Annual Premiums
Monthly Payment Option
Average monthly payment: £99.95
Number of instalments: 12
Initial deposit required: 0
Premium Distribution
Distribution based on policy data analysis
What Affects Your Premium
- Pet's age, breed, and species
- Coverage level selected (Basic, Standard, or Premium)
- Your location and local vet costs
- Previous claims history
Coverage Highlights
Lifetime CoverMost Popular
Vet Fees
Up to Covered each year up to no limit per condition with £7,500 yearly limit
Excess
You'll pay £200 per condition per year
Key Benefits
- Dental coverage included
- Prescription medication covered
- Complementary treatments
Policy Coverage and Benefits
Premium Range
Minimum
£55.92
Maximum
£8790.6
Average
£591.57
Cover Types
- Lifetime
Coverage Distribution
Dogs
63.6%
Cats
36.4%
Comprehensive Policy Details
| Coverage Feature | Benefit | Details |
|---|---|---|
| Vet Fees | Covered each year up to no limit per condition with £7,500 yearly limit | Maximum amount claimable for veterinary treatment |
| Death by Accident | £500 | Payment if your pet dies due to an accident |
| Death by Illness | £500 | Payment if your pet dies due to illness |
| Third Party Liability | £1,000,000 | Coverage for damage or injury caused by your pet to others |
| Lost or Stolen | £500 | Coverage if your pet is lost or stolen |
| Advertising & Reward | £500 | Costs for advertising and reward if your pet is lost |
| Boarding Fees | £500 | Kennel/cattery fees if you're hospitalized |
| Travel Coverage | Included | Travel-related coverage including quarantine costs |
Fees & Charges
Policy Fees
Excess Information
Standard Excess
£200 - This is the amount you pay towards each new condition claimed for.
Co-Payment
N/A - This is an additional percentage that you pay towards the remaining claim amount after the fixed excess.
Example Claim Calculation
Frequently Asked Questions
How does lifetime coverage work?
Annual limits refresh at renewal, providing continuous coverage for ongoing conditions throughout your pet's life.
What member benefits apply?
Members earn Co-op rewards on premiums and access exclusive discounts and benefits.
What makes the coverage ethical?
Part of premiums support community initiatives and sustainable practices through the Co-op Foundation.
How do renewals work?
Guaranteed renewal for life, with full benefit reset annually, subject to policy terms.
Next Steps with Co Op Insurance Lifetime
How to Get Coverage
- Visit Co Op Insurance Lifetime's website directly
- Takes about 5-10 minutes to complete
- Have your pet's details ready
Important Note
The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:
- Your pet's age and breed
- Your location and coverage needs
- Current market conditions and provider pricing
Please contact Co Op Insurance Lifetime directly for the most accurate and up-to-date quotes for your specific situation.