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.
Maximum benefit pet insurance quote
Affordable 5* rated pet insurance from as little as £4.72.
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 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 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
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
Up to £275per injury 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
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 could 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.
Multipet 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.
24/7 Vet Advice Careline
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.
Need to claim?
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 2021 we paid 93% of all claims made.
Cover benefits and what our members say
Switching without the waiting period
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.
Time limited 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.
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.
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.
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.
Get a quote
Comprehensive pet insurance cover for your furry friend. Get a quote today.