Lifetime

Pet Insurance

  • Up to £15,000 vet fees - reset each year you renew
  • Cover for most pre-existing medical conditions*
  • No compulsory excess or bill share, even as your pet ages
  • No upper age limit

Lifetime pet insurance you can trust

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

Join Petsure today

Up to £15,000 vet fees

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Choose vet fee cover from £1,000 to £15,000 to suit your pet’s needs. Your limit resets each year you renew.

Tailored pet insurance

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Your pet is unique. Chose your limits, excess and optional extras to create a policy that fits them like a collar.

Switch with continuous cover

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Switch to Petsure on a like for like basis, with no gap in cover, and your cover could start immediately**.

Award-winning pet insurance provider

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Defaqto 5 star rating when you choose vet fees over £4,000 with all optional add-ons included.

Basic cover alone has 3 star rating

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Two-time winner National Insurance Awards Pet Insurance Award 2022 & 2023

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Awarded Best Pet Insurance Provider at the Insurance Choice Awards 2022

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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.

More about pre-existing cover

How you're covered

Choosing Petsure to protect your pet gives you more than just vet fee cover. Here's what you get from our lifetime pet insurance.

Dental accident

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If your pet has a dental accident or injury, you’re covered up to your chosen vet fee limit. Just make sure you’re taking your pet for annual-check ups and following vet dental advice.

Behavioural treatment

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Help from an expert with your pet’s emotional and mental well-being, as advised by a vet. Cover up to your chosen vet fee limit (maximum 12 sessions combined with complementary therapy).

Complementary therapy

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This includes alternative treatments like hydrotherapy or acupuncture, as advised by a vet. Cover up to your chosen vet fee limit (maximum 12 sessions combined with behavioural treatment)

Emergency care

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If you have an emergency (like an unplanned hospital visit) and can’t look after your pet, you get up to £1,500 towards towards pet minding costs.

Third-party liability for dogs

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This is when your dog causes injury to someone or their pet, or causes loss or damage to another person’s property. Cover for up to £2,000,000 for legal action made against you or your dog.

Choice of optional extras

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Choose from a range of optional extras to suit your pet’s needs, such as dental illness and cover if your pet gets lost or stolen.

Compare our pet insurance†

petsure-logo-white p-only-petsurelogo ManyPets Petplan Agria
Maximum vet fees £15,000 per year £15,000 per year £12,000 per year £20,000 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?

†For Lifetime policies only – details correct as of 16 June 2023 via competitor websites. Competitor products are subject to their own T&Cs. For full details of Petsure pet insurance, please read our policy documents.

No pet’s too old

Your pet deserves the best at any age. That's why we offer the most comprehensive type of cover - lifetime pet insurance.

Dog insurance

Dog insurance image
  • Up to £15,000 vet fee limit
  • Tailor your dog's cover to suit their needs with optional extras
  • Up to £2,000,000 third party liability

Cat insurance

Cat insurance image
  • Up to £15,000 vet fee limit
  • No compulsory excess or bill share
  • Choose optional extras to make your cat's cover fit like a collar

Multi-pet insurance

Multi-pet insurance image
  • Up to £15,000 vet fee limit
  • Cover up to eight pets on one policy
  • Set individual cover limits, excesses, and optional extras

Dog insurance

Dog insurance image
  • Up to £15,000 vet fee limit
  • Tailor your dog's cover to suit their needs with optional extras
  • Up to £2,000,000 third party liability

Cat insurance

Cat insurance image
  • Up to £15,000 vet fee limit
  • No compulsory excess or bill share
  • Choose optional extras to make your cat's cover fit like a collar

Multi-pet insurance

Multi-pet insurance image
  • Up to £15,000 vet fee limit
  • Cover up to eight pets on one policy
  • Set individual cover limits, excesses, and optional extras

How does our lifetime pet insurance work?

How Lifetime Pet Insurance Work

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.

How Lifetime Pet Insurance Work

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.

How Lifetime Pet Insurance Work

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.

Your Petsure cover perks

Enjoy a range of benefits to support your pet parenting and help keep your best pet pal healthy and happy.

Petsure cover perks

Keep your pets happy and healthy with unlimited 24/7 access to UK vet video calls

Petsure cover perks

Save on your first 12 repeat subscription orders of Percuro planet-friendly and nutritional dog food

Petsure cover perks

Dedicated emotional support with trained Blue Cross volunteers, 365 days a year

Discover your treats

Watch to find out why Dr Scott works with Petsure

“I’ve teamed up with Petsure as their vet ambassador. Their insurance products could cover cats and dogs, healthy or with pre-existing conditions, old or young, with great flexibility to suit both you and them.” Dr Scott Miller, ITV This Morning vet

Frequently asked questions

  • What does pet insurance cover?

    Pet insurance covers your pet if they need treatment for an accident or illness.

    The amount of cover you get depends on the type of pet insurance and what limits you choose. Find out more about the different types of pet insurance.

    With Petsure pet insurance, your pet’s declared accepted conditions are covered for the life of your policy, as long as you continue to renew each year.

    Petsure cover includes:

    • Vet fees
      > Behavioural treatment
      > Complementary therapy
      > Dental accidents
      > Euthanasia
      > MRI/CT scans
      > Cruciate ligaments
    • Emergency care
    • Third party liability for dogs

    You can also add on optional extras like

    • Travel and Holiday cover
    • Dental Illness
    • Missing Pet cover
    • Farewell cover
  • What’s the difference between each type of pet insurance?

    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.

  • What won't be covered by pet insurance?

    Some of the things Petsure pet insurance doesn’t cover include:

    • Routine and preventative treatments (like flea and worming)
    • Vaccinations
    • Neutering
    • Routine teeth cleaning
    • Routine or investigative tests (unless to diagnose a new or worsening condition covered under your policy)
  • How much does pet insurance cost?

    The cost of pet insurance is different for each pet and is based on your chosen vet fee limit, excess, bill share, and cover options.

    Where you live, your pet’s age, breed, and conditions, to name but a few, can also affect the price of your cover.

    It can be tricky to decide what annual vet fee limit to get with your pet insurance. Here’s what can help you choose the vet fee limit for your pet’s cover:

    Researching what conditions can affect each breed and the average cost to treat these conditions
    Checking what your local vet charges for emergency treatment in case your pet has an accident

  • Is pet insurance worth it?

    It’s completely your choice whether to buy pet insurance.

    Remember, there’s no NHS for pets if they’re poorly or get in a scrape. So you’ll have to pay for everything yourself if you don’t have vet fee cover to put towards their treatment costs.

    Having cover gives some owners peace of mind that their best pet pal is protected if they fall ill.

    Pet insurance can also give you benefits and options beyond vet fees, such as emergency care and money towards advertising your missing pet. Discover why having dog insurance and cat cover is important.

    You can find out more about cover, benefits and cost of vet bills in our guide to pet insurance.

  • Does pet insurance cover dental treatment?

    Petsure pet insurance includes cover for dental accidents as standard.

    Your pet won’t be covered for routine and preventative treatments such as a scale and polish. Unless this is to relieve suffering due to dental illness and you’ve bought our optional dental illness cover.

  • Can I get cover to travel with my pet?

    You can add Travel and Holiday cover to your Petsure policy for trips in the UK and overseas.

    This gives you cover for:

    • Up to 183 days each policy year (max 90 days per trip)
    • Vet fees abroad up to your chosen vet fee limit
    • Emergency repatriation of your pet while abroad or in the UK
    • Trip cancellation because of your pet (up to £5,000 per person)
  • When should I take out pet insurance?

    Accidents can happen at any time and the risk of falling ill increases as your pet ages.

    Having pet insurance in place as soon as possible can give you the reassurance they’re protected and enjoy living their best life.

    Many pet insurers won’t take on new pets after a certain age, which is usually 8 for dogs and 10 for cats.

    Petsure has no upper age limit and can cover your puppy or kitten from four weeks of age.

    You can also switch with no break in cover if you’re moving on a like-for-like basis from another provider.

Discover expert pet care advice

Learn how to keep your pet happy and healthy with guidance from expert vets and behaviourists.