A new breed of

lifetime pet insurance

  • check icon Up to £15,000 vet fees - reset each year you renew
  • check icon Renew annually to cover your pet for life
  • check icon Cover for pre-existing medical conditions
  • check icon No compulsory excess
  • check icon No upper age limit

Lifetime pet insurance with a difference

Not all lifetime pet insurance policies are created equally. And it really gets our hackles up when older pets and those with pre-existing conditions are treated unfairly.

Choose inclusive cover that puts an end to upper age limits, compulsory excesses, and prejudice towards existing illnesses.

Cover that lets you pick your limits, excess, and optional extras to suit your pet’s individual needs.

Our lifetime pet insurance has a Defaqto 5 star rating when you choose vet fees over £4k with all optional add-ons included.

5 star Defaqto badge

What is lifetime pet insurance?

Choosing lifetime pet insurance gives you the confidence your pet can be protected for life. Just keep renewing your pet’s policy and don’t miss any of your premium payments.

Your chosen vet fee limit resets back up to the full amount each year you renew. And you don’t have to worry if your pet develops a chronic condition - these can be covered up to your policy limits, year after year.

A picture of an old Hungarian Vizsla standing proudly in the woods

Cover for pre-existing conditions

All pre-existing conditions are considered. When getting a quote, you’ll be asked about your pet’s health to see if we can cover them.

This means the price you pay fairly reflects any conditions that can be covered*.

Find out more

Compare our lifetime pet insurance

petsure-white p-only-petsurelogo ManyPets Petplan Waggel
Maximum vet fees £15k per year £15k per year £12k per year £10k per year
Cover for pre-existing conditions?
No compulsory excess?
No compulsory co-payments for older pets?
Tailor limits per pet on a multi-pet policy?
Dental treatment for accidents?
Behavioural treatment and complementary therapy?

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†For Lifetime policies only – details correct as of 3 November 2022 via competitor websites. Competitor products are subject to their own T&Cs. For full details of Petsure pet insurance, please read our policy wording.

How does our lifetime pet insurance work?

1. Tailor your policy to your pet’s needs – pick your vet fee limit up to £15k, select any optional add ons, and choose whether to pay an excess or co-payment.

2. Claim as many times up to your chosen limit each policy year – if your pet falls ill or is injured and you need to make a claim, the cost will be taken from your chosen annual limit.

3. Your vet fee limit resets each year you renew your policy – when you stay with us, your pet will continue to be covered for repeated illnesses up to your policy limits throughout their lifetime.

Get a quote

Product facts

With Petsure, you’re covered up to your chosen vet fee limit each year, along with emergency care. You can then choose optional add ons to suit your pet’s needs, like dental illness and travel and holiday cover.

Lifetime pet insurance isn’t the same across all insurers, so something covered by one provider may be optional or not included by another.

That’s why it’s important to check the policy wording carefully.

With so many different types of pet insurance out there, knowing what’s what can get confusing.

Find out the differences between lifetime, maximum benefit, and time-limited pet insurance on our ‘what is lifetime pet insurance’ page.

Lifetime pet insurance is the most comprehensive pet cover in the market – and it’s the only type of policy we offer.

We go into more detail about why you should think about getting lifetime pet insurance on our ‘what is lifetime pet insurance’ page.

Join Petsure today

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Policy documents

Policy document

*Cover for pre-existing medical conditions is subject to acceptance. They will not be covered unless you have declared them and they are shown on your Confirmation of Cover.

**Illnesses won’t be covered in the first 14 days and accidents won’t be covered in the first 2 days of the policy unless you are switching from another insurer on a like for like basis with no break in cover. Other exclusions may apply to other sections