Lifetime pet Insurance
Lifetime pet insurance is our most comprehensive cover, helping with vet fees for new illnesses and injuries for life, as long as you renew each year. Conditions that don't go away stay covered.
Regulated by the Financial Conduct Authority.
- Up to £5,000 of vet fee cover for each illness or injury, reinstated every year you renew
- Ongoing illnesses covered year after year, from arthritis to diabetes
- Free 24/7 vet advice and Perks & Offers included on every policy
- No upper age limit, pets of any age can get lifetime cover
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What is lifetime pet insurance?
Lifetime pet insurance is a type of pet insurance that covers new illnesses and injuries year after year, rather than for a fixed window. Each time you renew your policy, your vet fee limit resets, so a condition your pet develops today can keep being treated next year, and the year after. That makes it the most comprehensive type of cover and the one many owners choose for a young pet or a breed prone to long-term conditions. Whatever their age, from a 4-week-old puppy or kitten to a wise senior, there’s a level of cover to suit, and our cat insurance runs on the same lifetime basis. There’s more to it than the cover, too. Every lifetime policy comes with free 24/7 vet advice, a low £90 excess, direct payments to your vet, and money off top pet brands through our Perks & Offers.
Regulated by the Financial Conduct Authority. 
Our highest level of cover, up to £5,000 of vet fees covered per year
- Claim up to £5,000 per condition, per year
- Your limit refreshes each time you renew
- Ongoing conditions stay covered for life
Lifelong cover for lifelong illnesses
- Arthritis, diabetes, allergies and more
- Long-term illnesses covered year after year
- As long as they start after your policy does
Packed with extras
- Free 24/7 Vet Assist on every policy
- Average savings of 57% on prescription meds
- Perks & Offers, included at no extra cost
Compare our Elite lifetime policies
Choose the vet fee limit that suits your pet and your budget. Every Elite lifetime policy includes complementary treatment and 24/7 vet advice as standard.
| Elite | Elite Extra | Elite Extra Plus | |||
|---|---|---|---|---|---|
| Vet fees (per condition) | £1000 | £2000 | £3000 | £4000 | £5000 |
| Third party liability (dogs only) | £1500000 | £2000000 | £2000000 | £2500000 | £2500000 |
| Complementary treatment | ✓ | ✓ | ✓ | ✓ | ✓ |
| 24/7 vet advice | ✓ | ✓ | ✓ | ✓ | ✓ |
| Overseas holiday cover | £500 | £650 | £800 | £1000 | £1250 |
| Holiday cancellation | £500 | £650 | £800 | £1000 | £1250 |
| Missing and stolen | £500 | £650 | £800 | £1000 | £1250 |
| Advertising and reward | £500 | £650 | £800 | £1000 | £1250 |
| Emergency boarding | £500 | £650 | £800 | £1000 | £1250 |
| Death from illness or accidental injury | £500 | £650 | £800 | £1000 | £1000 |
| Excess | £90 per condition, per policy year, except for Third Party Liability claims where an excess of £250 per claim applies. | ||||
Regulated by the Financial Conduct Authority.
What does lifetime pet insurance cover?
Our Elite range of lifetime policies covers vet fees for new accidents, illness and injury, up to the cover limit you choose, then reinstates that limit every year you renew. Here’s what’s included.
Helps with the cost of consultations, tests, scans, medication, surgery and ongoing treatment when your pet is ill or injured. Your per condition limit resets each year, so treatment for a long-term condition can continue throughout your pet’s life.
If your dog injures someone or damages their property, this covers the legal costs and compensation, up to £2.5m on our higher tiers. Included on dog policies only.
Cover for vet-recommended therapies like physiotherapy, hydrotherapy, acupuncture, chiropractic treatment and osteopathy, to help support your pet’s recovery.
Speak to a qualified vet by phone or video any time, day or night, about a worrying symptom, an injury or a change in behaviour. No appointment needed, and it never counts as a claim.
If you’re travelling with your pet, this helps with emergency vet treatment should they fall ill or get injured in approved European countries under the UK Pet Travel Scheme.
Helps you recover non-refundable travel or accommodation costs if you have to cancel or cut short a trip because your pet is ill, injured, goes missing or sadly passes away.
If your pet goes missing or is stolen, this helps with the cost of advertising and offering a reward to bring them home.
Helps with kennel or cattery fees if you’re unexpectedly admitted to hospital and can’t look after your pet while you recover.
Like most pet insurance policies, lifetime cover doesn’t cover pre-existing conditions, which is anything your pet has had, or shown signs of, before the policy started or during the waiting period (the first 14 days for illnesses and 5 days for accidents and injuries). It also won’t cover routine or preventive care such as vaccinations, neutering, flea and worm treatment, or routine dental cleaning. Your policy documents set out exactly what’s covered and what isn’t, so it’s always worth a read before you buy.
Lifetime cover works on one simple idea: your vet fee limit reinstates every year. When your pet develops a new illness or injury after the waiting period, your cover helps pay towards their treatment up to the cover limit you chose. At renewal, that limit tops back up, so you can keep claiming for the same condition year after year, as long as you renew without a break in cover. You pay a £90 excess per condition each policy year (£250 for a third party liability claim), and once your dog turns 8 or your cat turns 10 a 15% co-payment applies on top.
Why choose Perfect Pet Lifetime Insurance?
Explore what comes with every Elite lifetime policy, from trusted vet support to everyday savings.
97% of claims settled within five working days
We can pay your vet directly, so you’re not left finding the money first.
A vet in your pocket, 24/7
Free, round-the-clock advice from a real vet or vet nurse, by phone or video. No appointment, no charge, and it never counts as a claim.
No upper age limit on new policies
Puppies and kittens can join from 4 weeks, and there’s no upper age limit on a new policy. Every pet is welcome, whatever their age.
Physio, hydro and more
Cover for vet-recommended complementary therapies like physiotherapy, hydrotherapy, acupuncture and osteopathy, to help your pet recover.
Regulated by the Financial Conduct Authority.
Lifetime pet insurance that goes the extra mile
Every lifetime policy comes with trusted tools and expert help that make health worries easier to handle and everyday care more affordable.
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Dog symptom checker
Check your dog’s symptoms and get rapid guidance with our free, vet-approved symptom checker.
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24/7 Vet Assist video and phone calls
Get trusted triage advice and find out what might be wrong. Fast, professional help with no appointment needed.
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Save on prescription medication
Save an average of 57% on prescribed medication, trusted pet meds delivered straight to your door.
Lifetime pet insurance
for dogs and cats
Whether you’re welcoming a new puppy or kitten, caring for a rescue, or supporting a senior pet, our pet insurance cover is designed to support their health and wellbeing.
Dog Insurance
5 Star rated cover with up to £5,000 in vet fees per condition, plus exclusive discounts from leading pet brands.
Cat Insurance
Up to £5,000 in vet fees per condition, with 24/7 vet video calls and savings and discounts through our perks.
Multi-pet insurance
Cover all your pets under one policy with a 15% discount and a single renewal date.
Puppy insurance
5 Star rated cover from just 4 weeks of age, so your puppy is protected from the start.
More memories, less worry
Join thousands of UK pet owners who trust us to be there for the long haul. A quote takes about 2 minutes.
Regulated by the Financial Conduct Authority.
Lifetime Pet Insurance
FAQs
Find out more about lifetime cover for dogs and cats with these common questions from UK pet owners.
Lifetime pet insurance, sometimes called reinstatement cover, helps pay for ongoing vet fees, including treatment for chronic or recurring conditions like arthritis, allergies or diabetes. As long as you renew your policy each year, your per condition vet fee limit resets, so your pet can keep being treated for the same condition throughout their life. Unlike some pet insurance policies that only cover a condition for a set time, lifetime cover keeps them covered for life. It’s the most comprehensive type of cover for dogs and cats.
Many owners find it worthwhile because it offers long-term protection against conditions you can’t predict. Pets can develop illnesses that need regular medication, tests and ongoing treatment, which add up over the years. Lifetime cover helps make sure your cat or dog can keep getting that care. Whether it’s right for you depends on your pet and your budget, so it’s worth comparing the cover levels before you decide.
Lifetime cover is designed for exactly this kind of long-term condition, so a new diagnosis of something like hip dysplasia or arthritis can be covered, and stays covered year after year when you renew. The key thing is that it can’t be a pre-existing condition, meaning your pet hadn’t shown signs of it before the policy started or during the waiting period. If you’re unsure, the policy wording spells out how pre-existing conditions are treated.
There’s no upper age limit on our new lifetime policies, so you can take out cover for an older dog or cat, and puppies and kittens can join from 4 weeks old. One thing to know: once your dog turns 8 or your cat turns 10, a 15% co-payment applies on top of your excess when you claim.
The cost depends on your pet’s age, breed, size and where you live, along with the vet fee limit you choose, up to £5,000 per condition. Breeds prone to hereditary conditions typically cost more to cover. Lifetime cover usually costs more than time limited, maximum benefit or accident only policies because it offers ongoing protection, but it can save a lot over your pet’s life if they develop a long-term illness. The quickest way to see your price is to get a quote.
Premiums can increase at renewal, and this is normal across the industry. As pets get older they’re more likely to need treatment, and if you’ve claimed during the year that can affect the price too. Choosing lifetime cover while your pet is young, and renewing without a break, is the best way to keep continuous protection for any conditions that develop.
The main advantage is that your cover reinstates every year, so long-term and recurring conditions stay covered for life, which no other type of policy offers. The trade-off is that this level of protection typically costs more than time limited or accident only cover, and premiums can rise as your pet ages. For many owners, the peace of mind is worth it, particularly for younger pets and breeds prone to chronic conditions.
You can choose a vet fee limit that fits your budget, and insure more than one pet to get our 15% multi-pet discount. Every policy also includes our Perks & Offers and average savings of 57% on prescription meds, which helps with the everyday cost of care. Insuring your pet while they’re young and healthy also helps you avoid gaps in cover.
Making a claim is simple, and we’ll guide you through each step. You start your claim through your online account or our make a claim page, and our team, including experienced vet nurses, takes it from there. Where we can, we’ll settle eligible vet bills with your vet directly, so you’re not left out of pocket while you wait.
How lifetime cover compares to other types of pet insurance
Lifetime is the most comprehensive type of cover, but it isn’t the only option. Here’s how the others compare, so you can weigh up what’s right for your pet and your budget.
Lifetime Insurance
Lifetime pet insurance provides an annual vet fee allowance that refreshes each year you renew. It helps cover long-term and recurring conditions as well as new illnesses or injuries, offering the most comprehensive level of protection throughout your pet’s life. Discover Lifetime
Accident Only Insurance
Accident-only pet insurance covers injuries caused by accidents, such as cuts, broken bones or road accidents. It does not cover illnesses, third party liability or long-term health conditions. This is the most basic type of pet insurance, offering limited cover for unexpected accidents only, often at a lower cost. Discover Accident-Only
Time Limited Insurance
Time-limited pet insurance covers each new illness or injury for up to 12 months from the first treatment, or until the vet fee limit is reached, whichever comes first. After that period, the condition is no longer covered. This option can be a lower-cost choice, but it offers less protection for ongoing or recurring health issues over time. Discover Time-Limited