With lifetime cover, your pet will be covered for chronic conditions. Annual policies on the other hand stop covering a condition a year after it first occurs.

That means you’ll be protected from the cost of ongoing vet treatment, unlike with an accident-only or time-limited policy.


Premiums for lifetime pet cover are high compared to other pet insurance types.

Once you reach the annual or per condition limit, you’ll have to pay for any remaining treatment yourself.

You have to stay with the same insurer year on year to really benefit from a lifetime policy. That means it’s really important you compare your options to find the best one before you commit to an insurer.

Be aware that the policy price for future years isn’t fixed. Lifetime pet insurance can and usually does increase in price as your pet ages.