Lifelong Pet Insurance compare lifetime cover providers for cats and dogs

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Lifelong pet insurance cover

Lifelong cover (also known as lifetime) is the most comprehensive type of health insurance cover for pets in the U.K. It provides ongoing protection for chronic conditions and illnesses for as long as you stay with the same insurer. This is because each year when you renew your policy, your vet fees benefits is equally renewed to its original maximum level.

For instance, if you go with Argos Platinum, you will get £7,000 towards veterinary bills in year 1, regardless of the number of conditions you may be claiming for. In year 2, you will get another £7,000, likewise in year 3 and so on. This gives you virtually unlimited cover against illnesses and accidents for the life of your cat and dog.

Why choose lifelong pet insurance

There are many good reasons why you should consider buying such pet insurance.

1. Once you join a provider, there is no exclusion to your policy. You can carry on claiming year after year for as long as you need provided that you keep renewing your policy.
2. True cover for life for ongoing conditions: unlike other insurers like More Than, Tesco or Direct Line, lifelong companies provide real ongoing cover over the years.
3. You're unlikely to run out of funds for vet fees: because your allowance is fully replenished at renewal, you're less likely to run out of cover. And even if you did that year, you always know that you'll get more funds for veterinary treatments the following years.
4. Because you have more money available over the years, your pet has a better chance of living a happy, healthy life. If it were to get sick and the first treatment option failed, you would be able to try another cure strategy because you have money available.

What to look for in lifelong insurance for cats and dogs

There are a lot of things to consider when buying lifelong insurance.

True life long products: first of all, you need to make sure that the product you're buying is truly lifelong. You can make sure of that in the lifelong pet insurance comparison table above. To clarify, all providers here offer lifetime. Argos offers other types of cover and only its Platinum policy is lifelong.

Maximum vet fees: how much money will you really get for veterinary treatment each year? If you have a cat, you probably don't need as much as a dog, so consider the various options available.

Cover for older pets: if you have an older pet, make sure you find a company that have no maximum age (no upper age limit). Know however that once you're insured, your cover won't stop as your pets get older. Age for eligibiliy is only to consider when you first get cover.

Pay the vet direct: this is very important for your finances. Finding a lifetime pet insurance provider that can pay the vet directly makes sure that you don't have to pay the bill up front and then be out of pocket for a few weeks. Remember, at time of claiming, you need to make sure that your vet agrees to be paid back by the insurer. You will still have to settle the excess at your vet practice.

Online discount: always buy online to get the best deal. Even if you have queries and need to pick up the phone, go back online to benefit from the best deals and discounts.

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