Life Long CoverThe pet insurance policy is renewed annually and health-care conditions which have arisen since taking out the pet insurance policy will continue to be covered; i.e. there are no exclusions placed on the policy once the animal insurance cover is in place. There is a maximum amount the pet insurance policy will pay out each year. This may be for each condition or this may be a total amount which includes all conditions claimed for. An excess will usually be deducted once a year for ongoing conditions and for each new condition claimed for. Once insured pets reach a certain age the insurance premium may rise and the policy excess will increase. Advantage Disadvantage What does lifelong cover mean? For example: an ongoing skin condition. The policy is renewed annually and will pay out a maximum amount for the claim during a 12 month period once you have paid the excess. Where treatment is ongoing beyond the renewal date you may have to pay the excess again and then you may claim the full amount again. Insurers who offer Lifelong cover pet insurance policies.
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