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.
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.
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.
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.
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
Up to £275per injury/illness per year (depending on pet age)
- Unlike other pet insurers, we don't impose a coinsurance payment when claiming. Check your 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: £100 or £125 Dogs over 8: £250 or £275 Cats under 10: £100 or £125 Cats over 10: £250 or £275 |
|
| 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. |
Download the Insurance Information Product Document (IPID) for policies starting before 1st January 2022Policy wording for policies starting before the 1st January 2022
Policy wording for policies starting from the 1st January 2022
* 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
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
Up to £275per injury/illness per year (depending on pet age)
- Unlike other pet insurers, we don't impose a coinsurance payment when claiming. Check your 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: £100 or £125 Dogs over 8: £250 or £275 Cats under 10: £100 or £125 Cats over 10: £250 or £275 |
|
| 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 wording for policies starting before the 1st January 2022
Policy wording for policies starting from the 1st January 2022
* 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
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
Up to £275per injury/illness per year (depending on pet age)
- Unlike other pet insurers, we don't impose a coinsurance payment when claiming. Check your 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: £100 or £125 Dogs over 8: £250 or £275 Cats under 10: £100 or £125 Cats over 10: £250 or £275 |
|
| 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 wording for policies starting before the 1st January 2022
Policy wording for policies starting from the 1st January 2022
* 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
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.
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.
95% 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 2020 we paid 95% of all claims made.
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.
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.
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.