Lifetime policies insure your pet for new medical illnesses and injuries. This means that any illness or injury your pet had before the policy started will not be covered.
Understanding lifetime pet insurance policies
Your pet is covered up to a set amount each year for as long as the insurance policy remains in force. If the overall limit is reached during the policy year, your pet will not be covered for any further treatment required during that year. Each time you renew your policy the full amount of cover becomes available again under each section of cover.
Some lifetime policies will also specify a set amount to be paid for each illness/injury during the year. If the limit for a specific illness/injury is reached in the policy year, no further claims for this treatment will be paid that year.
The policy needs to be renewed and premiums paid to ensure your pet is covered for new illnesses and injuries or to continue treatment for existing illnesses and injuries already covered in the following policy period (usually a year). This means a long-term or recurring illness or injury that has needed treatment in one year will be covered again by the policy the next year. There is no limit to how many times the illness or injury can be covered in this way, as long as the insurance policy is in force, payments are kept-up-to-date. and the policy terms and conditions have not been altered
Resources
Access comprehensive guides and in-depth reports, explore free-to-use tools and download our data release schedule.
