Ultimate list of lifetime pet insurance providers in the UK

I’ve been taking part in conversation about pet insurance on a few pet forums and have been really amazed at the confusion that reigns about lifetime pet insurance and who’s offering it.

So, I’ve put together a quick guide to identify which companies offer true lifetime cover (also known as lifelong).

What exactly is lifetime pet insurance?

Lifetime cover means that your vet fees maximum benefit amount is replenished every year at renewal. You have a pot of money to spend on vet fees, each year, regardless of the number of conditions you’re claiming for. When you renew your cover, you’ll get the your pot topped up to the original balance. What’s more, because the vet fees limit is per year rather than per condition, ongoing conditions are never excluded and you can carry on claiming year after year.

Some insurers claim to cover ongoing conditions with no time limit but still set a maximum amount you can spend on a specific condition. For instance, More Than pet insurance will give £7,000 to spend on a broken leg, regardless of how long it takes to reach this limit. But once you have spend £7,000, the broken leg will be excluded and no further claims will be accepted.

With lifetime pet insurance there isn’t such limitation. You can get more information on lifetime cover here, here and here.

List of all lifetime pet insurance providers

See below all lifetime pet insurance providers as of 28th June 2009.

Animal Friends Insurance
Argos
AXA
Aviva
The Blue Cross
Budget Insurance Services
Computerquote
Cornhill Direct
Dogs Trust
GreenBee
Halifax
Helpucover
Homebase
HSBC
Marks & Spencer
NFU Mutual
PAWS
Petguard
Pet-insurance.co.uk
Petplan
Saga
Towergate AUL
UIS Pet Insurance
Vet2pet

Compare lifetime pet insurance providers

Provider	Max vet fees	Online discount	Multiple pet discount	Pay vet direct	Excess from	More Info
	£7,000	15%	5%	Yes	£90
	£7,000	5%	-	Yes	£60
	£6,500	10%	10%	Yes	£75
	£12,000	10%	-	Yes	£75
	£7,500	10% + £15 towards microchip	10%	Yes	£75
	£6,000	10%	-	No	£60
	£6,000	5%	10%	Yes	£50

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