Compare the best lifetime pet insurance

Pet insurance is an insurance policy designed to cover the costs of veterinary fees should your pet become ill or injured. There are four main types of pet insurance and in this article, we take a look at lifetime pet insurance which is the most comprehensive pet insurance policy for your pets. We also take a look at the best lifetime pet insurance providers as well as how much a lifetime policy costs. We have partnered with Quotezone* so that you can search and compare quotes from over 15 UK pet insurance providers.

If you would like more information on how pet insurance works and the different types of pet insurance you may find these articles useful:

• A complete guide to pet insurance 
• What are the different types of pet insurance?
• The best pet insurance for cats
• The best pet insurance for dogs

What is lifetime pet insurance?

Lifetime pet insurance is the most comprehensive pet insurance policy for your pet as it offers the most vet fee cover for the longest period of time. Lifetime pet insurance works in two different ways:

• Annual limit - this type of lifetime pet insurance insures your pet for a set limit per year. For example, if your pet is insured up to £15,000 per year, you can claim for multiple conditions up to the total limit of £15,000. Once the limit has been reached any additional treatment will need to be self-funded until the limit renews the following policy year. 
• Annual limit per condition - this type of lifetime pet insurance insures your pet for a set amount, per condition, per year. For example, your pet may be insured for £6,000 per condition per year which means that you can claim for multiple conditions up to the limit of £6,000 per year and the limit will then reset the following policy year. 

Some lifetime pet insurance policies may have a maximum limit on how much you can claim throughout the duration of your policy so be sure to check your policy documents carefully for any restrictions on your cover. For more information on lifetime pet insurance and how it works read our article 'Lifetime pet insurance explained'.

The best lifetime pet insurance policies

There are numerous lifetime pet insurance policies available but in the below comparison table, we compare 8 of the leading lifetime pet insurance providers. If you would like to find out more about each of the providers you can read our independent reviews by clicking on the review section of the table.

Lifetime pet insurance feature comparison

(scroll to view the full table)

	ManyPets*	Animal Friends	Waggel*	Petplan	Scratch & Patch	Agria*	Petsure*	The Insurance Emporium
Excess	£69¹/ £99/ £130 /£160	£69/ £99/ £159/ £199/ £249	£0/£50/£100/£200/£250/£500	£110 dogs £95 cats	£125 dogs under 8 and cats under 10 £275 dogs over 8 and cats over 10	£105 or £170 for dogs £95 or £170 for cats	£0/£100/£200/£300/£400/£500	£150 for Annual Limit policies £155 for dogs and £175 for cats for Annual Limit per condition policies
Co-payment	Voluntary 20% Compulsory 20% for pets over 9 years old	20% for dogs over 8 years old and cats over 10 years old	No	20% for dogs and cats over 10 years old	Voluntary 20% co-payment	10% for cats and dogs²	Voluntary 10%, 20% or 30% co-payment	Annual limit policies = 20% for pets over 8  Annual Limit per condition policies Pets under 8 years old = 5% to £20,000 then 25% thereafter Pets over 8 years old = 15% up to £20,000 then 25% thereafter for pets
Number of lifetime policies offered by insurer	4 (other policies may be available over the phone)	11	7	3	3	4	9	10
Lifetime pet insurance type	Annual limit	Choose between Annual limit per condition or Annual limit	Annual limit	Annual limit	Annual limit	Annual limit	Annual limit	Choose between Annual limit per condition or Annual limit
Maximum vet fee cover (depending on which lifetime policy you choose)	Up to £15,000 per year	Up to £6,000 per condition per year or up to £18,000 per year	Up to £15,000 per year	Up to £12,000 per year	Up to £8,000 per year	Up to £20,000 per year	Up to £15,000 per year	Up to £8,000 per condition per year or up to £6,000 per year
Death cover	Policy dependent	Yes	Yes	optional extra	Yes	optional extra	optional extra	Yes
Loss of pet cover	Policy dependent	Yes	Yes	Yes	Yes	Yes	optional extra	Yes
Holiday cancellation	No	Yes	No	Yes	Yes	optional extra	optional extra	Yes
Third-party liability (for dogs)	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Multi-pet discount	15%	No	No	£12 per year per pet	10% discount	5% discount	No	10% discount
Video vet calls	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No
Best for...	Multi-pet discount	Choice of cover	Exclusive member benefits	Paying out claims	No co-payment	Breeders	Pets with pre-existing conditions	Senior pets
More information	ManyPets pet insurance review	Animal Friends pet insurance review	Waggel pet insurance review	Petplan pet insurance review	Scratch & Patch pet insurance review	Agria pet insurance review	Petsure pet insurance review	The Insurance Emporium pet insurance review

¹£69 excess option is not available when taking out a policy for pets over 9 years old. ²A 20% co-payment will be applied for older pets but the age this becomes applicable varies.

How much does lifetime pet insurance cost?

The cost of pet insurance varies depending on the age, breed and type of your pet. Pedigree pets are usually more expensive to insure as they are more susceptible to certain illnesses and conditions than some mixed or crossbreed pets. The level of cover you choose and where you live will also affect the cost of your pet insurance, you can learn more in our article '7 factors that affect the cost of pet insurance'.

Below, we compare the most comprehensive lifetime policies from 8 of the most popular pet insurance providers. The quotes are based on a 1-year-old mixed-breed cat and medium-sized dog with no underlying health conditions and living in a South East postcode. As some of the policies have the option to choose the excess on the policy, we have chosen excesses as close to £100 to make the comparison as fair as possible.

You can also compare the cost of lifetime pet insurance with a comparison website such as Quotezone* and MoneySuperMarket*. Comparison sites allow you to compare multiple insurers to find the best insurance policy for your pet. One thing to remember though is that not all comparison sites are whole of market and you may be able to get a better deal with another provider.

Lifetime pet insurance cost comparison

A comparison between the most comprehensive pet insurance policies from 8 of the leading lifetime pet insurance providers. For more information on pet insurance and how much it costs read our article 'How much does pet insurance cost?'

Annual limit cost comparison table

	ManyPets*	Animal Friends	Waggel*	Petplan	Scratch & Patch	Agria*	Petsure*
Excess	£99	£99	£100	£110 (dog) £95 (cat)	£125	£105 plus 10% co-payment (dog) £95 plus 10% co-payment (cat)	£100
Policy name	Complete	Lifetime - £18,000	Lifetime	Covered for life	Premier Plus	Lifetime Plus	Lifetime
Lifetime Policy type	Annual limit	Annual limit	Annual limit	Annual limit	Annual limit	Annual Limit	Annual limit
Vet fee cover	£15,000 per year	£18,000 per year	£15,000 per year	£12,000 per year	£8,000 per year	£20,000 per year	£15,000 per year
Monthly Cost (1-year-old dog)	£42.35	£44.35	£45.30	£57.50	£20.99	£78.66	£43.51
Monthly Cost (1-year-old cat)	£33.01	£48.15	£43.18	£37.37	£20.79	£38.68	£55.68
More information	ManyPets pet insurance review	Animal Friends pet insurance review	Waggel pet insurance review	Petplan pet insurance review	Scratch & Patch pet insurance review	Agria pet insurance review	Petsure insurance review

(Quotes correct as of 28/11/24) 

Annual limit per condition cost comparison table

	Animal Friends	The Insurance Emporium
Excess	£99	£155 plus 5% co-payment up to £20,000 and then 25% thereafter (dog) £175 plus 5% co-payment up to £20,000 and then 25% thereafter (cat)
Policy name	Prestige	Lifetime Gold
Lifetime Policy type	Annual limit per condition	Annual limit per condition
Vet fee cover	£6,000 per condition per policy year	£8,000 per condition per policy year
Monthly Cost (1-year-old dog)	£25.41	£21.62 per Lunar month (every 28 days)¹
Monthly Cost (1-year-old cat)	£24.99	£17.17 per Lunar month (every 28 days)¹
More information	Animal Friends pet insurance review	The Insurance Emporium pet insurance review

(Quotes correct as of 28/11/24) ¹includes introductory discount

Pros and cons of lifetime pet insurance

Pros of lifetime pet insurance

• Most comprehensive pet insurance policy 
• Covers lifelong and chronic conditions

Cons of lifetime pet insurance

• One of the more expensive pet insurance policies 
• If you claim, you are unlikely to be covered for the condition by another policy if you choose to switch provider

Alternatives to lifetime pet insurance

Lifetime pet insurance is the most comprehensive pet insurance policy but there are other types of pet insurance available that you may prefer for your pet.

Maximum benefit pet insurance

Maximum benefit pet insurance insures your pet for a maximum amount per condition for the duration of your policy. Once the limit has been reached you will have to self-fund any further treatment. For more information on maximum benefit pet insurance read our article 'Maximum benefit pet insurance explained'.

Time-limited pet insurance

Time-limited pet insurance insures your pet for a set amount per condition or for a set period of time (usually 12 months) from the onset of the condition or from the first date of treatment. For more information on time-limited pet insurance read our article 'Time-limited pet insurance explained'.

Accident-Only

Accident-only pet insurance insures your pet for veterinary treatment for injuries from accidents. Your pet is not insured for any treatment due to illness. For more information on accident-only pet insurance read our article 'Accident-only pet insurance explained'.

Public liability (dogs only)

Whilst this type of insurance does not cover the cost of any vet fees it will insure your dog if it damages property or injures a person. It usually includes legal cover which will help cover the costs if you are sued due to the damage your pet has caused.

If you want to know more about the different types of pet insurance read our article 'What are the different types of pet insurance?'

 

 

 

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