Lifetime dog insurance
Our Lifetime policy provides long term cover for accidents and illnesses.
What our Lifetime policy covers
Our Lifetime policy provides long term cover for accidents and illnesses. As long as you renew your policy each year.
This means you'll be covered for any accident or illness your pet may have, but also for any long-term illnesses such as Diabetes.
How does this policy work?
An annual policy limit lets you claim up to a fixed amount each year for all accidents and illnesses.
You can choose a policy that covers vet fees from between £1,500 to £12,500 per year.
There is no limit to the number of claims you can submit. You can keep claiming until your chosen limit is reached.
Once the limit reached, you won't be able to claim until the policy renews and your chosen vet fee limit becomes available again.
For example...
If you chose the £3,500 vet fee limit, and your dog was to develop a skin condition and suffered damage to their paw, we would cover the combined cost of treatment for both conditions up to £3,500 in one year (subject to any applicable excess or co-payment).
When you renew your policy the policy limit will refresh and you'll be covered up to £3,500 again, should you need it.
Would you like to know more?
Read through our policy documents for more information.
Already an existing customer?
Please refer to the policy documents we sent you when you took out or renewed your policy. You can Login to your online account to view these.
Did you know...
All our pet policies give you free vet video consults 24/7 for 365 days a year through the Pawsquad.
Amount of cover
Select a policy below to see all cover limits, excess and additional benefits. Not sure how much cover you need? Find out the cost of vet fees for dogs.
Annual vet fee limit: £1,500
Vet excess: £99, £159, £249
Co-payment: 20% after age 8
| Section A: Vet Fees | Cover up to £1,500 |
| Dental cover | Dental accident and illness included |
| Complementary Treatment | Complementary treatment included |
| Behavioural Treatment | Behavioural treatment included |
| Prescription/ clinical diet | Up to £250 per year to cover Urinary/ Renal/Diabetic/ Hypoallergenic |
| Overseas vet fees | Overseas vet fees included |
| 24/7 vet helpline | Unlimited access to Pawsquad |
|
Additional benefits |
|
|
Section B: If your pet dies |
£200 |
|
Section C: If your pet goes missing or is stolen |
£1,000 (max £1,000 for reward) |
|
Section D: If you can’t look after your pet because you’re in hospital |
£1,000 |
|
Section E: If your pet injures someone or damages their property |
£2m |
|
Section F - If you need to cancel or cut short a holiday because your pet needs urgent medical care |
£2,000 |
Annual vet fee limit: £3,500
Vet excess: £99, £159, £249
Co-payment: 20% after age 8
| Section A: Vet Fees | Cover up to £3,500 |
| Dental cover | Dental accident and illness included |
| Complementary Treatment | Complementary treatment included |
| Behavioural Treatment | Behavioural treatment included |
| Prescription/ clinical diet | Up to £250 per year to cover Urinary/ Renal/Diabetic/ Hypoallergenic |
| Overseas vet fees | Overseas vet fees included |
| 24/7 vet helpline | Unlimited access to Pawsquad |
|
Additional benefits |
|
|
Section B: If your pet dies |
£200 |
|
Section C: If your pet goes missing or is stolen |
£2,000 (max £1,000 for reward) |
|
Section D: If you can’t look after your pet because you’re in hospital |
£2,000 |
|
Section E: If your pet injures someone or damages their property |
£2m |
|
Section F - If you need to cancel or cut short a holiday because your pet needs urgent medical care |
£2,000 |
Annual vet fee limit: £7,500
Vet excess: £99, £159, £249
Co-payment: 20% after age 8
| Section A: Vet Fees | Cover up to £7,500 |
| Dental cover | Dental accident and illness included |
| Complementary Treatment | Complementary treatment included |
| Behavioural Treatment | Behavioural treatment included |
| Prescription/ clinical diet | Up to £250 per year to cover Urinary/ Renal/Diabetic/ Hypoallergenic |
| Overseas vet fees | Overseas vet fees included |
| 24/7 vet helpline | Unlimited access to Pawsquad |
|
Additional benefits |
|
|
Section B: If your pet dies |
£200 |
|
Section C: If your pet goes missing or is stolen |
£2,000 (max £1,000 for reward) |
|
Section D: If you can’t look after your pet because you’re in hospital |
£2,000 |
|
Section E: If your pet injures someone or damages their property |
£2m |
|
Section F - If you need to cancel or cut short a holiday because your pet needs urgent medical care |
£2,000 |
Annual vet fee limit: £12,500
Vet excess: £99, £159, £249
Co-payment: 20% after age 8
| Section A: Vet Fees | Cover up to £12,500 |
| Dental cover | Dental accident and illness included |
| Complementary Treatment | Complementary treatment included |
| Behavioural Treatment | Behavioural treatment included |
| Prescription/ clinical diet | Up to £250 per year to cover Urinary/ Renal/Diabetic/ Hypoallergenic |
| Overseas vet fees | Overseas vet fees included |
| 24/7 vet helpline | Unlimited access to Pawsquad |
|
Additional benefits |
|
|
Section B: If your pet dies |
£200 |
|
Section C: If your pet goes missing or is stolen |
£2,000 (max £1,000 for reward) |
|
Section D: If you can’t look after your pet because you’re in hospital |
£2,000 |
|
Section E: If your pet injures someone or damages their property |
£2m |
|
Section F - If you need to cancel or cut short a holiday because your pet needs urgent medical care |
£2,000 |
Several factors are used to work out the price each year, including the age of your pet, previous claims, where you live, and the cost of vet fees. This means that your policy price is likely to increase at renewal even if you haven't made a claim. There is no limit to how much your premium may increase each year, and the increase could be significant.
Excesses apply to all our policies, and a co-payment is currently payable on claims if you renew your policy after your dog turns 8 years old.
How much cover do you need?
Our average vet claim was £1068 in 2024.
Knowing how much your dog could cost is important so you’re prepared with the right type of policy and we’re here to help with cover up to £12,500 in a year.
*This figure shows the average cost of vet fees claimed for dogs, for the top 15 conditions that were submitted to Animal Friends in 2024.