Lifetime Pet Insurance

With lifetime cover your pet is protected if it develops a long term illness that lasts many years. This would obviously be very expensive, so naturally the premiums for lifetime cover are a lot higher than non-lifetime policies. Although the coverage continues for the life of your pet, there are still certain limits applicable, as described below.

Condition limit

With this type of lifetime cover, there will be a maximum amount you can claim for an individual condition each year. At the end of the year, the limit will be reset to the same amount so that you can claim the following year. You can usually claim for more than one condition in a year.

Annual limit

With this type of lifetime cover there is no limit to the amount you can claim for an individual condition, you just have an overall maximum amount you can claim each year. At the end of the year, the limit is reset to the same amount so that you can continue to claim, up to your maximum allowance, the following year.

Advantages of lifetime pet insurance

• It offers the best protection for your pet.
• Long-term and chronic illnesses are covered.

Disadvantages of lifetime pet insurance

• More expensive than other types of pet insurance policies.
• To get the full benefit of a lifetime policy, you need to stay with the same provider for the lifetime of your pet.