5 reasons to buy lifelong pet insurance

Lifelong pet insurance may be a bit more expensive than per condition or 12-month covers but it’s definately worth the few extra pounds a month  in the long run. Here are 5 reasons why you should consider buying lifelong cat and dog insurance.

1. Ongoing conditions are covered for life

As long as you renew your policy each year, medical conditions will not be excluded from your policy even if you have started claiming for them. With other types of pet health covers, conditions are excluded after a certain time or when a financial ceiling is reached, leaving you out of the pocket should further care be necessary.

2. Your vet fees limit is renewed every year

Unlike per condition policies which give you a specific amount of money for each specific condition or 12-month plans that provide you with a fund for a limited time period, lifelong pet insurance will give you a yearly fund that gets replenished every year, on your insurance anniversary date. Say if you buy Marks and Spencer Premier cover, you will get £7,000 to spend on veterinary fees each and every year.


3. Cover continues regardless of your pets age

Once you’re insured, it is for the lifetime of your pet. The cover won’t change as your pet gets older which means that you will have the same amount of money to use for treating illnesses and accidents, with still no exclusions of conditions.

4. More possibilities of successful treatments

Because your vet fees benefit goes back to the original balance at the start of each year, you will have more chances of successfully curing conditions. If for instance your dog develops a back problem and surgery doesn’t resolve it in the first year, you will be able to afford further treatment and alternative pet therapies because you always have money to spend. With 12-month limited and per condition policies, you need to get things right the first time around. With lifetime pet insurance, you can choose various types of medical care and even set up, with your vet, a strategy for a permanent cure.

5. Lifelong cover generally offered by reputable companies

Petplan, Marks and Spencer and Helpucover (ex-Pinnacle) are well respected companies and seem to genuinely care about pet healthcare. It’s important for you to know that your insurer cares about your pet almost as much as you do: after all, that’s why they provide the most comprehensive type of pet insurance policy in the market.

Compare lifelong pet insurance

Lifelong pet insurance will make a world of difference in your pet’s life, so compare providers and remember to buy online  to benefit from a discount and get a cheaper quote.