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Lifetime pet insurance

Prime, Premier and Premier Plus are our 5 star rated 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.

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Scratch & Patch - does this cover 9 lives

What is lifetime pet insurance?

Lifetime pet insurance – also known as reinstatement – 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. Because of this, lifetime plans are the most expensive type of policy, but it can cover your pet throughout their lifetime as long as you keep the policy running. If you cancel or choose not to renew your policy then all cover stops and you will lose the benefit of continuing to cover existing conditions.

The average cost of treatment for a chronic conditions such as musculoskeletal conditions like arthritis is £1,250 per year. Lifetime cover is the only policy type that can cover your pet indefinitely if they develop a chronic condition.

Lifetime pet insurance doesn’t cover any pre-existing conditions your pet may have. Take a look at our Champ product for pre-existing conditions cover.

Our cover levels

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. Take a look at the cover details for each.

Prime

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
£75 or £200per injury/illness per year (depending on pet age)
  • Unlike other insurers, we don't impose a coinsurance payment when claiming.

Premier

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
£75 or £200per injury/illness per year (depending on pet age)
  • Unlike other insurers, we don't impose a coinsurance payment when claiming.

Premier Plus

Vet fee cover limit
Up to £8,000per plan year
  • Per plan year, reinstated every year.
Inner limits
£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
£75 or £200per injury/illness per year (depending on pet age)
  • Unlike other insurers, we don't impose a coinsurance payment when claiming.

What our customers say about us

Lifetime pet 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 could provide a cost effective way of insuring cats and dogs who have more complex chronic health conditions requiring ongoing treatment.

...and what's not covered?

Any pre-existing conditions that your pet may have will not be covered under a lifetime plan. If you’re also looking for this level of protection you can explore our pre-existing conditions Champ policies.

There are also some exclusions on our policies, such as specific dog breeds and treatment types. For full details see our policy exclusions.

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Multi-pet discount

If you’re insuring 2 or more pets then you’ll receive a 10% discount off your total insurance premium. The offer applies to our Bronze, Silver, Gold, Premier and Premier Plus cover and will be deducted when calculating your quote.

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97% claims paid

If the unfortunate situation arrives where you need to make a claim on your policy, we can assist by paying your claim fast and efficiently and often payments can be made directly to your vet – so long as you and they agree. In 2019 we paid 97% of all claims made.

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Switch without the wait

It hasn’t always been easy to switch your pet cover, but we’re changing that. Most providers will impose a 14-day wait time for illnesses if you switch, but so long as you are an existing pet insurance holder when you switch to us, we won’t.

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No co-insurance

Co-insurance is a payment in addition to the excess that’s shared between you and an insurer which splits the cost of claims, usually it’s an 80/20 split.

We want you to know exactly what your costs will be so we don’t impose a co-insurance payment on any of our plans.

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24/7 Careline access

The Scratch & Patch Careline which is available 24 hours a day, 7 days a week, is included for all cover levels. Our friendly UK based team are available whether you’re looking for pet care advice or looking for assistance with a quote or a claim.

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 time-limited policies is £75 for a cat under 10 years old or a dog under 8 years old. So if you make a successful claim for £500 of vet treatment then we will pay £425 and you will pay the £75 excess. The excess increases to £200 for older cats and dogs and so you would have to pay more.

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?

New illnesses starting within the first 14 days of your policy are not covered. However, if you’ve switched 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.

How does accidental damage cover work?

The accidental damage section of our policies protect you up to the limit stated on your plan if your dog causes accidental death or injury to a person or accidental loss or damage to their property. Find out more about accidental damage cover within pet insurance.

Get a quote now

Discover a new approach to pet insurance, cover your furry friend with us today.

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