Pet Insurance Lifetime Cover is it Worth It?

Many pet owners are now aware of the value of pet insurance, but understanding the various elements (such aslifetime pet insurance cover, payment per condition, high excess, problems getting the insurer to actually pay out etc) and policy stipulations within a particular pet insurance product can be invaluable.

What Does Lifetime Pet Insurance Mean?

The costs of veterinary treatment are rising all the time as the science of veterinary medicine advances and it is common for courses of treatment to run into thousands of pounds.  When dogs get older, the chances that they will actually require treatment (and therefore need to claim on the pet insurance policy increases).

Lifetime Pet Insurance Cover Information

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Pet insurance lifetime cover means (or it should, be sure to check the small print!) that your dog will be covered for the duration of its natural life and the insurer won't suddenly remove cover at the time in your pet's life when it most needs the protection of insurance.

Understanding Pet Insurance Limitations

It is becoming an increasingly common clause to limit cover for conditions to a specified time period – often twelve months.

However, by limiting cover in this way insurers are able to keep premiums significantly lower, making cover for the sudden unexpected veterinary fees affordable for a larger proportion of the pet owning population.  This has been shown to be the case by the big increase in uptake of insurance in recent years.

Lifelong Cover Pet Insurance: Benefits

The pet insurance market continues to grow strongly but there is evidence that some owners remain unaware of the benefits of pet insurance.  This is one of the challenges of the pet insurance providers, to explain how the product works and the specific benefits of their particular policy.

Pet insurance is recommended by virtually all veterinary surgeons and also by thousands of puppy and kitten breeders and all of the major rehoming charities

There is no absolute upper limit on how much a pet’s veterinary treatment could cost someone, so it stands to reason that as a dog ages, the chances of them needing (possibly very expensive) veterinary treatment increases.

By having lifetime pet insurance cover, you can relax with peace of mind that your dog is going to be covered for the duration of their life and that in the time of their life when they are at an increased risk of needing pet insurance, they'll receive it.

What Does Lifetime Pet Insurance Cost?

A comprehensive “high end” dog insurance policy costs around £150 per year, allowing for inflation, make that £300 per year.  Fifteen years would be an above average lifetime for a dog. This means the owner could pay £4500 for a lifetime of pet insurance.

To put this into perspective, major treatment for dogs and cats can cost anywhere up to £4000 and that is for a single operation. Let us not forget other vet bills for smaller ailments incurred by otherwise healthy pets: something as routine as treating your dog for an eye infection can cost upwards of £100. All of this considered, continuing with yet another rant on the necessity of pet insurance would be tantamount to preaching to the fully comprehensively covered choir. It almost  - I would hope - goes without saying that the benefits and advantages of a pet insurance policy including lifetime cover far outweigh the costs.

The specific costs of a pet insurance policy with lifetime cover will very much depend on the age, health and other factors relating to your dog. Why not visit a company that specialises in lifetime pet insurance and speak to them about your dog's needs.

Is Lifetime Pet Insurance Cover Right For My Dog?

This article from the BBC (The perils of inadequate pet insurance cover) explains just why it's so important to make sure you don't go out and simply buy the cheapest or first pet insurance policy on offer. At the time in your dog's life when they are statistically most likely to require pet insurance cover, you'll definitely be relieved to have selected a lifetime (whole of life) pet insurance product. The key is to do your homework, seek independent reviews from other dog owners and above all, read the fine print on the policy notes.


  1. While I agree with you on the speed with which veterinary bills can enter tens of thousands of pounds I’m not sure where you got your pricing for insurance policies from as it seems very different to my experience.

    I have three small dogs (all healthy, neutered, innoculated etc, etc) insured by one of the more competitively priced ‘high end’ insurance policies and they each cost £25p/m. The most expensive companies offering the same, lifetime, comprehensive policies were easily double this price, so over £50 per small dog per month.

    My large breed dog is on a mid range policy with a different insurer and costs £50 per month, an equivalent policy level to the smaller dogs by the same insurer – again mid market as far as price in concerned – was £120 per month.

    The small breeds could easily live for 15 years – roughly £4500 per dog in insurance premiums, and the larger dog should get to around 10 – around £6000 in insurance.

    Also one benefit of lifetime cover is that should your dog get a diagnosis that requires it to have treatment for the remainder of it’s life – eg, epilepsy or diabetes – your insurer will pay the cost of treatment over the years rather than paying out one year and then excluding it in the future.

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