Lifelong pet insurance

Lifelong pet insurance is the most comprehensive type of cover available on the market. Contrary to per condition and 12-month limited policies, accidents and illnesses are covered for the lifetime of your cat or dog without being excluded, provided you keep renewing your policy year on year.

Compare providers of lifelong pet insurance below to ensure

1. your pet is protected for life
2. you benefit from online discount for a cheaper plan

Provider	Max vet fees	Online discount	Multiple pet discount	Pay vet direct	Excess from	More Info
	£10,000	Fixed monthly premium: £15 for cats / £28 for dogs		Yes	£80
	£6,500	10%	10%	Yes	£75
	£7,000	5%	-	Yes	£60
	£12,000	10%	10%	Yes	get quote
	£7,000	25%	5%	Yes	£90
	£7,500	10% + £15 towards microchip	10%	Yes	£75
	£6,000	10%	-	No	£60

What is lifelong cover?

There are 3 types of pet insurance policies in the UK: 12-month or time-limited, per condition and lifelong. Lifelong is the most comprehensive type of cover: it pays claims for ongoing conditions year after year provided you renew your policy.

On the contrary, 12-month policies limit the amount you can claim to a period of 12 months per condition after which an exclusion is placed on this specific illness or injury and no further claim can be submitted. Per condition pet insurance will give you a set amount to spend on any condition without any time limit but will exclude it after the financial ceiling is reached. With lifelong cover, you have a yearly fund to spend on veterinary care. This is replenished every year without exclusions.

Why buy lifelong pet insurance?

1. Ongoing conditions are covered for life for as long as you keep renewing your policy
2. Your vet fees fund is renewed each year
3. Cover carries on as your pet gets older, without any change
4. More chances of successful treatments
5. Offered by reputable companies such as Marks and Spencer

A few more pounds month can make a world of difference

Lifelong cover can make such a difference. It makes sure your cat, dog or rabbit has access to the best veterinary care possible throughout their life, keeping them healthy and happy. It may be slightly more expensive than 12-month or per condition policies, but if you want the best for your pet, then you’ll protect them with the best pet insurance available.