Pet Insurance Comparison Guide, Information and advice
 

Life Long Cover

The 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 for each condition.
  • An excess will usually be deducted once a year for ongoing conditions and for each new condition claimed for.
  • If a condition lasts less than 12 months but spans the renewal date an excess may be deducted twice.
  • Once insured pets reach a certain age the insurance premium may rise and the policy excess will increase.
  • Always read the fine print as some insurers will cover/not cover certain conditions ie. price of cover/excess is not always the best indication of comprehensiveness of cover.

Advantage
Most comprehensive cover for both short and long term illness.

Disadvantage
More expensive

What does lifelong cover mean?
Exactly that; once your pet is insured and premiums are up to date the policy will provide cover for that condition for the rest of your pet's life.

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.

 
Petplan Rabbit Life Time
Lifelong Dogs
Petplan Cat Lifetime
Petplan Dog Life Time
Lifelong Cats
Marks and Spencer Dog
Pinnacle Dog
Pet Protect Cats
Pet Protect Dogs
Vet-2-pet.com Dog
petPals Dog
Helthy Pets Life Long Dogs
Saga Cats
Halifax Dog
Pet ID
Axa Dogs Lifelong Cover
petPals Cat
Halifax Cat
Axa Cats Lifelong Cover
Pet Protect Rabbits
Lifelong Rabbit
Vet-2-Pet Rabbit
HSBC Pet insurance
Marks and Spencer Cat
HelpuCover Cats
Healthy Pets Cats Lifelong
Vet-2-pet.com Cat
Animal Friends Insurance Cat (lifetime)
Saga Dogs
Animal Friends Insurance Dog (lifetime)
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