Lifetime Pet Insurance
Lifetime pet insurance is considered the ‘standard’ pet insurance - it’s the type of policy most people think of when they’re considering insuring their pet. Essentially, it is the most popular pet insurance because it’s the most comprehensive. This type of insurance will last a pet’s lifetime if it is renewed annually.
What is lifetime pet insurance?
Depending on the insurer, the set amount (annual limit) is available for different things - sometimes this applies per condition, and sometimes this is an overall sum for all conditions. When it comes to renewing your policy at the end of the year, this limit resets, and you have cover for another year for those conditions you might have previously claimed for, as well as new ones.
In a nutshell: a lifetime pet insurance policy will cover your pet for one-off accidents, injuries, illnesses, and - in time - long-term or chronic conditions.
Remember though, there’ll be no cover for your pet’s already existing conditions when you first buy the policy.
In the event of an accident or illness, the correct pet insurance will ensure you have the right level of cover for your four legged friend
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What types of pet insurance are there?
Accident only. Will cover your pet in the event of an accident, but won’t cover long-term illness. There may also be limits on the amount of time and money allowed for treatment.
Time Limited. Covers illnesses as well as accidents, but for a limited amount of time only. These policies may also come with a maximum pay-out.
Maximum Benefit. Covers illnesses and accidents up to a maximum amount per condition, but there’s no time limit on how long you can claim for. This can be useful if your pet experiences a chronic or persistent illness.
Lifetime. This is the most complete type of pet insurance available. It covers accidents, injuries or illnesses for the lifetime of your pet, subject to limits as advised in the policy. These policies can include extras such as dental cover and expenses for burial.
Lifetime pet insurance is also known as:
- Lifelong pet insurance
- Cover for Life pet insurance
- Reinstatement pet insurance
- Repopulating pet insurance
- Renewable Benefit pet insurance
Bear in mind...
Annually, your premium is likely to increase. This is because year-on-year your pet is likely to encounter new illnesses, injuries, and/or conditions which will be considered by the insurer in the following year’s renewal price.
Click here for other reasons why your pet insurance premium might increase on renewal.
