What is lifetime cover?

Our lifetime cover policies provide cover for all conditions or injuries that occur in the policy year*, up to the limit set by your chosen level of cover.

Your policy limit is refreshed and applied again at renewal, so you know your pet is always covered, so long as you remain insured with us.**


What's included

You can choose from three levels of cover, Classic, Extra or Ultra, and tailor your cover to your pet's needs.

In the table below, you will find a few of the benefits you can get with our Lifetime cover.

You can also compare all our cover levels and choose the right one for you and your pet.

 Benefit Classic  Extra Ultra
Defaqto Star Ratings
Pet helpline Available 24/7 Available 24/7 Available 24/7
Veterinary fees £2,000
(Max £1,000 per incident per year) 
£4,000
(Max combined per year)
£10,000
(Max combined per year)
Death of your pet from illness up to:
(Dogs aged 9 and over & cats 11 and over excluded)
£1,000 £1,250 £1,750
Death of pet from injury up to: £1,000 £1,250 £1,750
Overseas cover 30 days 30 days 90 days
Emergency expenses cover abroad up to: £500 £750 £1,000

View our policy documents

Take a look at our policy booklet below. You can also click here to look at the product information document that relates to the level of cover you are interested in.

*Excluding pre-existing medical conditions.

**There's no limit to how long you can claim for each illness or injury, provided you keep your policy renewed, the premiums paid up to date and we invite renewal. If your pet’s total veterinary treatment in the policy year exceeds the limit applicable for your level of cover, there will be no further cover until the renewal of the policy when the cover resets.

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