Prime, Premier and Premier Plus are our lifetime pet insurance plans. They protect your pet from any accidents and eligible illnesses. These policies reinstate the full cover limit for all covered conditions at renewal each year.
What is lifetime pet insurance?
We have 3 lifetime plans offering vet fee cover up to £2,500, £4,000 or £8,000. We call these plans, Prime, Premier and Premier Plus.
Our lifetime pet insurance covers all new medical conditions after the policy has started up to the cover limit. It allows you to claim for the same condition year after year. If you reach the cover limit then the cover will stop for the remainder of the policy year but the limit will be reinstated upon renewal.
Lifetime pet insurance doesn’t cover any pre-existing conditions your pet may have. Importantly, due to the long-term nature of a lifetime policy, if you choose not to renew, you may find it difficult to find alternative cover for any conditions you have already claimed for as they will be classed as pre-existing, and you might not be able to claim for them again.
Prime
Lifetime cover
Vet fee cover limit
Up to £2,500per plan year
- Per plan year, reinstated every year.
Inner limits
Up to £2,500depending upon treatment
- In some cases there are restrictions on certain types of treatment types which are lower than the overall cover limit. These are called inner limits.
- Cruciate Ligament: £1,000
- MRI / CT scan: £1,000
- Alternative treatment: £400
- Dental treatment: £2,500
- Diet food: £100
- Behavioural treatment: £100
Excess
From £125*per injury per year (depending on pet age)
- *Excess varies according to pet age;
- Dogs under 8: £125
- Dogs over 8: £275
- Cats under 10: £125
- Cats over 10: £275
- Please check the policy wording to understand excess levels.
| Section | Cover | Detail |
|---|---|---|
| A | Veterinary Fees* up to | £2,500 |
| Inner Limits up to (Included within total Veterinary Fees amount above) | ||
| Cruciate Ligament | £1,000 | |
| MRI / CT Scan | £1,000 | |
| Alternative treatment | £400 | |
| Dental (accident/injury) | £2,500 | |
| Diet Food | £100 | |
| Covered in EU PETS Scheme Area | Yes | |
| Behavioural treatment | £100 | |
| Excess per injury or illness, per year | Dogs under 8: £125 Dogs over 8: £275 Cats under 10: £125 Cats over 10: £275 |
|
| Voluntary Excess Alongside paying the compulsory excess on your policy, an additional voluntary excess is an amount you’re willing to pay towards the cost of a claim. Should your pet need any veterinary treatment, we would cover 80% towards the treatment costs and you would contribute the remaining 20%. By contributing 20% towards the cost of each claim, we are able to reduce the price or your premium. | 0% or 20% | |
| B | Death (Applies only to dogs under 8 years old and cats under 10 years old) | |
| Accident up to | £1,000 | |
| Illness up to | £1,000 | |
| Euthanasia | £100 | |
| C | Third Party Liability (Dogs Only) | £1,500,000 |
| Excess | £250 | |
| D | Loss & recovery (Applies only to dogs under 8 years old and cats under 10 years old) | £1,000 |
| E | Emergency boarding and pet minding fees | £1,000 |
| F | Holiday cancellation | £1,000 |
| G | Accidental damage | £250 |
| Pre-Existing Conditions | All pre-existing conditions are excluded from cover. |
Policy Documents
The Policy Wording and Insurance Product Information Documents (IPID) for Lifetime Cover can be viewed here
* The Vet fee amount includes;
- Up to £45 towards consultation fees for the each separate visit to the vet as a result of the condition
- Up to £110 per visit towards out of hours fees only where a vet confirms an emergency consultation was necessary
- Up to £150 per condition for all external laboratory fees including handling, postage and packaging and interpretation fees
- Up to £35 per session towards hydrotherapy, physiotherapy, acupunture, chiropractic, osteopathy or laser treatment fees
- Up to £350 per condition toward Specialist or Referral vet consultation fees
Premier
Peace of mind lifetime cover
Vet fee cover limit
Up to £4,000per plan year
- Per plan year, reinstated every year.
Inner limits
Up to £4,000depending upon treatment
- In some cases there are restrictions on certain types of treatment types which are lower than the overall cover limit. These are called inner limits.
- Cruciate Ligament: £1,500
- MRI / CT scan: £1,500
- Alternative treatment: £750
- Dental treatment: £4,000
- Diet food: £100
- Behavioural treatment: £250
Excess
From £125*per injury per year (depending on pet age)
- *Excess varies according to pet age;
- Dogs under 8: £125
- Dogs over 8: £275
- Cats under 10: £125
- Cats over 10: £275
- Please check the policy wording to understand excess levels.
| Section | Cover | Detail |
|---|---|---|
| A | Veterinary Fees* up to | £4,000 |
| Inner Limits up to (Included within total Veterinary Fees amount above) | ||
| Cruciate Ligament | £1,500 | |
| MRI / CT Scan | £1,500 | |
| Alternative treatment | £750 | |
| Dental (accident/injury) | £4,000 | |
| Diet Food | £100 | |
| Behavioural treatment | £250 | |
| Covered in UK / EU PETS Scheme Area | Yes | |
| Excess per injury or illness, per year | Dogs under 8: £125 Dogs over 8: £275 Cats under 10: £125 Cats over 10: £275 |
|
| Voluntary Excess Alongside paying the compulsory excess on your policy, an additional voluntary excess is an amount you’re willing to pay towards the cost of a claim. Should your pet need any veterinary treatment, we would cover 80% towards the treatment costs and you would contribute the remaining 20%. By contributing 20% towards the cost of each claim, we are able to reduce the price or your premium. | 0% or 20% | |
| B | Death (Applies only to dogs under 8 years old and cats under 10 years old) | |
| Accident up to | £1,500 | |
| Illness up to | £1,500 | |
| Euthanasia | £100 | |
| C | Third Party Liability (Dogs Only) | £1,500,000 |
| Excess | £250 | |
| D | Loss & recovery (Applies only to dogs under 8 years old and cats under 10 years old) | £1,500 |
| E | Emergency boarding and pet minding fees | £1,000 |
| F | Holiday cancellation | £1,500 |
| G | Accidental damage | £500 |
| Pre-Existing Conditions | All pre-existing conditions are excluded from cover |
Policy Documents
The Policy Wording and Insurance Product Information Document (IPID) for Lifetime Cover can be viewed here
* The Vet fee amount includes;
- Up to £45 towards consultation fees for the each separate visit to the vet as a result of the condition
- Up to £110 per visit towards out of hours fees only where a vet confirms an emergency consultation was necessary
- Up to £150 per condition for all external laboratory fees including handling, postage and packaging and interpretation fees
- Up to £35 per session towards hydrotherapy, physiotherapy, acupunture, chiropractic, osteopathy or laser treatment fees
- Up to £350 per condition toward Specialist or Referral vet consultation fees
Premier Plus
Complete protection lifetime cover
Vet fee cover limit
Up to £8,000per plan year
- Per plan year, reinstated every year.
Inner limits
Up to £8,000depending upon treatment
- In some cases there are restrictions on certain types of treatment types which are lower than the overall cover limit. These are called inner limits.
- Cruciate Ligament: £2,000
- MRI / CT scan: £2,000
- Alternative treatment: £1,000
- Dental treatment: £8,000
- Diet food: £100
- Behavioural treatment: £500
Excess
From £125*per injury per year (depending on pet age)
- *Excess varies according to pet age;
- Dogs under 8: £125
- Dogs over 8: £275
- Cats under 10: £125
- Cats over 10: £275
- Please check the policy wording to understand excess levels.
| Section | Cover | Detail |
|---|---|---|
| A | Veterinary Fees* up to | £8,000 |
| Inner Limits up to (Included within total Veterinary Fees amount above) | ||
| Cruciate Ligament | £2,000 | |
| MRI / CT Scan | £2,000 | |
| Alternative treatment | £1,000 | |
| Dental (accident/injury) | £8,000 | |
| Diet Food | £100 | |
| Behavioural treatment | £500 | |
| Covered in UK / EU PETS Scheme Area | Yes | |
| Excess per injury or illness, per year | Dogs under 8: £125 Dogs over 8: £275 Cats under 10: £125 Cats over 10: £275 |
|
| Voluntary Excess Alongside paying the compulsory excess on your policy, an additional voluntary excess is an amount you’re willing to pay towards the cost of a claim. Should your pet need any veterinary treatment, we would cover 80% towards the treatment costs and you would contribute the remaining 20%. By contributing 20% towards the cost of each claim, we are able to reduce the price or your premium. | 0% or 20% | |
| B | Death (Applies only to dogs under 8 years old and cats under 10 years old) | |
| Accident up to | £1,500 | |
| Illness up to | £1,500 | |
| Euthanasia | £150 | |
| C | Third Party Liability (Dogs Only) | £2,000,000 |
| Excess | £250 | |
| D | Loss & recovery (Applies only to dogs under 8 years old and cats under 10 years old) | £1,500 |
| E | Emergency boarding and pet minding fees | £1,000 |
| F | Holiday cancellation | £2,500 |
| G | Accidental damage | £750 |
| Pre-Existing Conditions | All pre-existing conditions are excluded from cover |
Policy Documents
The Policy Wording and Insurance Product Information Document (IPID) for Lifetime Cover can be viewed here
* The Vet fee amount includes;
- Up to £45 towards consultation fees for the each separate visit to the vet as a result of the condition
- Up to £110 per visit towards out of hours fees only where a vet confirms an emergency consultation was necessary
- Up to £150 per condition for all external laboratory fees including handling, postage and packaging and interpretation fees
- Up to £35 per session towards hydrotherapy, physiotherapy, acupunture, chiropractic, osteopathy or laser treatment fees
- Up to £350 per condition toward Specialist or Referral vet consultation fees
What lifetime cover protects against
Lifetime pet plans cover vet fees for injuries caused by accidents and illnesses. Our Prime plans are based on a lifetime cover limit of £2,500. Premier plans have a cover limit of £4,000 per year. While Premier Plus plans increase that cover limit to £8,000. All of which are reinstated annually.
Lifetime plans can provide a cost effective way of insuring cats and dogs who have more complex chronic health conditions requiring ongoing treatment.
What's not covered
Any pre-existing conditions that your pet may have will not be covered under a lifetime plan.
There are also some exclusions on our policies, such as specific dog breeds and treatment types. For full details see our policy exclusions.
Lifetime cover FAQs
What’s an excess and how does it work?
An excess is a compulsory payment made by you.
For time limited cover the excess is payable on each injury you make a claim for in each policy year. If your claim spans two plan years for the same injury you’ll be required to pay the excess each year.
For example, our excess for maximum benefit policies is £100 or £125 for a cat under 10 years old or a dog under 8 years old. The excess increases to £250 or £275 for older cats and dogs and so you would have to pay more. Check your policy documents to understand your excess levels.
If you claim under the Third Party Liability section of cover then the excess is £250.
Is there an age limit?
Your pet must be at least 5 weeks old when your policy starts. There is no upper age limit but please note that the excess increases and cover for death, euthanasia and loss and recovery ends when your dog reaches the age of 8 or your cat reaches the age of 10.
Is there a waiting period before my pet is covered?
Any new illnesses starting within the first 14 days of your policy are not covered. This is called a waiting period.
However, if you switch your cover from another insurer, we won’t enforce a waiting period, you will be able to claim for illness starting in the first 14 days.
We don’t have a waiting period for accidents or injuries.
What happens at renewal?
All our products are annual policies providing cover for new injuries and illnesses occurring after the policy has started and after the 14 day waiting period for illness has passed. We’ll send you an email 3 weeks before your renewal is due with the renewal price and how it compares to your current premium.
Please be aware that the chances of your pet getting ill increases as they age and this means your insurance premium will also increase. This increase could be significant if you have made a claim.
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