Pet Insurance

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Lifetime Pet cover insurance review:

In this article we talk about pet insurance for lifetime. This is insurance for all pets animal but here we talk about only on dogs insurance and give your lifetime pet cover insurance review. Here, first we talk about your need and then we compare all companies best plans and its benefits and losses. Lifetime insurance means, “All new medical conditions are covered up to the financial limit. If the limit is reached during the insurance year, the cover stops until the policy is renewed. At renewal, the limit is fully reinstated and the condition will continue to be covered in the policy the following year. Please refer to the terms and conditions of the insurance provider.”

Having Pet insurance for older dogs is very essential as old dogs catches diseases very fast. There are many providers for pet insurance for older dogs, you can list them to get better deal.

Where am I covered?

Before we start the lifetime pet cover insurance review first we talk about your query. The cover is provided for claims made in the UK, the Channel Islands and the Isle of Man. You can also claim for emergency vet treatment as a result of an accident, injury or illness that first shows clinical signs during a holiday. Public Liability only provides cover for claims that occur in the United Kingdom. This excludes the Channel Islands and the Isle of Man. See your policy documentation for further details.

What are my obligations?

  • You must ensure you answer all questions honestly, accurately and to the best of your knowledge when applying for your policy
  • During the policy year, you must take care of your pet including arranging and paying for the treatment recommended by your vet.
  • You must keep us up-to-date with any changes to your circumstances or your pet’s health.
  • You must ensure your pet is appropriately vaccinated in order to be able to claim for any condition preventable by that vaccination.
  • You must ensure your pet is wormed regularly in order to be able to claim for any treatment preventable by having your pet wormed.
  • When making a claim you must provide a completed claim form and the full medical history within 90 days of the treatment being claimed for

When and how do I pay?

  • You can pay monthly by direct debit.
  • You can pay annually using a debit or credit card, or by cheque.

When does the cover start and end?

  • You can choose the date your cover starts, subject to the waiting periods. Please see your policy schedule for your exact start and end date.
  • Your policy will run for 12 months from the commencement date.

Features Explained

Vet Fees:

This show the level of cover for Vet Fees provided by the policy. Many providers have limits on the amount paid on a single claim and on the amount that will be paid out during the lifetime of the policy so it is important to read the policy wording carefully and take this into consideration when selecting your policy.

Vet Excess

The amount the client is responsible for in the event a claim is proposed.

Third Party:

This shows the level of cover provided by the policy for Third Party Liability costs. It is important to read the policy wording carefully before purchasing.

Type of Policy

This summary represents some of the key benefits, exclusions, and limitations of this policy. For further information on what is covered please refer to the policy details on the provider’s website.

Demands and Needs

This product meets the demands and needs of a person who wishes to ensure that the veterinary costs of their pet are met now and in the future.

Here we compare all companies policy for lifetime pet cover insurance review for dogs on monthly installment bases.

Company/Policy Name

Monthly Installment

Price

Annual Installment Price

Vet Fees

Know More

Animal Friends Super £6.38 £76.56 £1000 Know More
Animal Friends Superior £8.04 £96.48 £2000 Know More
Pet Protect Dog Plus £8.16 £97.92 £4000 Know More
Everypaw Pet Health Care 2k £8.80 £105.60 £2000 Know More
Pet Protect Dog Extra £9.14 £109.62 £6000 Know More
Emporium pet insurance Bronze £10.92 £99.26 £2500 Know More
Healthy Pet Extra £11.59 £139.14 £2000 Know More
Post Office Money Premium £12.01 £144.12 £3000 Know More
Everypaw Pet Health Care 4k £12.50 £150.00 £4000 Know More
Legal and General Lifetime 2000 £13.72 £164.64 £2000 Know More
PdsaPetsurance Advance £14.20 £170.40 £1500 Know More
UIS Pet insurance Ruby £14.52 £174.24 £2500 Know More

We compare Top 10 best lifetime pet cover insurance reviews for Dogs of all companies (Monthly Bases).

  1. Animal Friends Super

About: 

Animal friends distinguish themselves with their mission statement of being “ethical pet insurance company”. It primarily donates and donates money to various animal welfare donations. Animal friends have won many awards, and they were named “Best Purchase” in a survey of pet insurance companies by an ethical consumer magazine.

Annual Installment Price: £76.56

Monthly instalment Price: £6.38

A SINGLE PAYMENT OF £76.56

OR MONTHLY PAYMENTS OF

DEPOSIT      £0.00
12 × £6.38
TOTAL          £76.56

Benefits

 Vet Fees £1000
 Vet fee Excess £99
 Third party £1.5 Million
 Death £500
 Accidental damage Not included
 Advertising Check policy documents
 Boarding Fees £500
Theft £500

 

What is insured?

  • Vet fees for accidents, illnesses and conditions up to the annual condition limit are cover in this insurance.
  • Cover for third party death, injury or property damage as a result of an accident involving your pet where you are found legally liable.
  • The cost of advertising and reward for your lost pet is cover up to a maximum of £200
  • The cost of boarding your pet should you have to spend more than 4 consecutive days in a hospital is cover on this lifetime pet policy plan.
  • Emergency vet treatment if you are abroad on holiday is included.
  • Complementary treatment of £500 is included.

What is not insured?

  • Any illness or condition which is present or has clinical signs or symptoms before taking the policy out or occurs in the first 14 days of the policy.
  • If you dog injured in an accident which occurs in the first 5 days of the policy is not insured.
  • Dental or gum treatment are not included.

Pros:

  1. Death by Illness covers up to £500 in this policy.
  2. Third party liability covers up to £1,500,000.
  3. Death by Accident covers up to £500
  4. Lost or Stolen covers up to £500
  5. If your pet passes away during the policy year they will pay a percentage of the market value, the price you paid or your policy limit.

Cons:

  1. 24 Hour Claims Service not available
  2. Behavioral problems treatment is not included.

2.     Animal Friends Superior:

About:

Animal Friends provide a total of 12 policies in 4 “categories” (or types of pet insurance): Accident-Only, Time-Limit, Maximum Profit, and Lifetime. An interesting point to note about Lifetime Policies is that they do not have a total annual policy limit – only one pre-condition bet limit.

Annual Installment Price: £96.48

Monthly instalment Price: £8.04

A SINGLE PAYMENT OF £96.48

OR MONTHLY PAYMENTS OF

DEPOSIT      £0.00
12 × £6.38
TOTAL          £76.56

Benefits

 Vet Fees £2000
 Vet fee Excess £99
 Third party £1.5 Million
 Death £750
 Accidental damage Not included
 Advertising Check policy documents
 Boarding Fees £750
 Theft £750

 

What is insured?

  • Third party death, injury or property damage are cover
  • The cost of advertising and reward for your lost pet is cover for up to a maximum of £200.
  • Cover for the cost of boarding your pet should you have to spend more than 4 consecutive days in a hospital.
  • Cover for emergency vet treatment if you are abroad on holiday.
  • Complementary treatment covers up to £500.

What is not insured?

  • Any illness or condition which is present or has clinical signs or symptoms before taking the policy out or occurs in the first 14 days of the policy.
  • Any accident which occurs in the first 5 days of the policy.
  • Behavioral problems treatment not included.

Pros:

  1. Vet fees for accidents, illnesses and conditions up to the annual condition limit are included.
  2. Lost or stolen your dog insure in this lifetime insurance plan.
  3. Vet Fees included- £500 per new condition for 12 months from the start of the condition to a maximum of £3,000 per year.
  4. Death by Illness cover in this insurance policy.

Cons:

  1. Dental or gum treatment of your dog is not cover.
  2. Legal Advice not included

3.     Pet Protect Plus Insurance for Dog

About:  Independent financial researcher Defaqto rated Lieftleong Plus and Lifelong Extra Insurance policies of Pet Protection as 3 stars. A star rating indicates how much the product or offer sits on the basis of quality and generality of the facilities in the market. A 3 star rated policy has “average level of facilities and benefits”.

Annual Installment Price: £97.92

Monthly instalment Price: £8.16

A SINGLE PAYMENT OF £97.92

OR MONTHLY PAYMENTS OF

DEPOSIT      £0.00
12 × £8.16
TOTAL         £97.92

Vet Fee Excess

£95 plus 5% of the rest of the cost of the veterinary treatment.

Vet Fees

Up to £4,000 per policy year. Limits reinstated upon renewal

Benefits

 Vet Fees £4000
 Vet fee Excess £95.00+ 5%
 Third party £1 Million
 Death £500
 Accidental damage Not included
 Advertising £250
 Boarding Fees £250
 Theft £500

 

What is insured?

  • Vet fees include up to a maximum of £4000 per policy year for advice, tests, X-rays, medication, and surgery.
  • CT and MRI scan covered up to a maximum of £750.
  • Cruciate ligament rupture covered up to a maximum of £750.
  •  The vet fee limit up to a maximum of £100 for Prescription diet food
  • Dental treatments included up to a maximum of £500.
  • Lost or Stolen covers up to £750..
  • Kennel or cattery fees covered up to a maximum of £250 if you are injured or ill and have to go into hospital for over 48 hours.
  • Holiday cancellation fees also included in this lifetime pet cover insurance.

What is not insured?

  •  Pre-existing conditions like Injuries or illnesses not cover
  • Behavioural programs not cover.
  • Treatment abroad except cost not cover.
  • Treat an illness or injury related to your pet being pregnant not included

Pros:

  • Vet Fees – Up to £4,000 per policy year. Limits reinstated upon renewal is cover in this lifetime pet cover insurance.
  • Boarding Fees is included in this policy.
  • Death by Accident of pet is included in this plan
  • Lost or Stolen your dog is cover
  • Holiday cancellation fees cover up to £500

Cons:

  • Death by Illness is not included in this lifetime pet cover insurance
  • 24 Hour Claims Service is not available.

3.     Everypaw pet Health Care 2K

About: Everypaw insurance claims the maximum amount, which is reset every year. This insurance plan also covers long-term conditions (such as arthritis and diabetes). Great for collision, injury, cough and sneezing also cover in this insurance policy.

Annual Installment Price: £105.60

Monthly instalment Price: £8.80

A SINGLE PAYMENT OF £105.60

OR MONTHLY PAYMENTS OF

DEPOSIT      £0.00
12 × £8.80
TOTAL          £105.60

Benefits

 Vet Fees £2000
 Vet fee Excess £80.00
 Third party £2 Million
 Death £500
 Accidental damage Not included
 Advertising Check policy documents
 Boarding Fees £500
 Theft £500

What’s included?

  • Vet Fees – £2,000 per policy year subject to a maximum of £500 per condition per policy year
  • Boarding Fees – £500
  • Death by Illness covers up to £500 in this policy.
  • Lost or Stolen covers up to £500
  • Advertising Limit is cover up to £500
  • The UK only call centers
  • Vet advice Line is included in this lifetime pet insurance
  • Third party liability is cover up £2,000,000
  • Third party liability excess – £250

Not included

  • 24 Hour Claims Service
  • Legal Advice not cover
  • Bereavement Counselling not included in this policy.
  • Loss of Pet Passport is also not covered in this pet insurance.

Pros:

  1. Boarding Fees  are included in this policy
  2. Vet advice Line is cover on this plan.
  3. Third party liability is £2,000,000

Cons:

  1. Legal Advice is not cover in this plan
  2. Quarantine costs are not covered in this policy
  1. Pet Protect insurance Extra for Dog

About:  At reviewcentre.com, there are 1.4 out of 5 stars in the Pet Protect, only 11% of 44 customers who left the review said that they would recommend the service. However, to keep it in perspective, Reviewcentre.com has the fifth best insurer and 75 out of 5 reviews have scored a score of 2.5 out of 5. Animal Friends are Top Rated Insurers on the Site with 4.3 stars from 2,650 reviews. Trustpilot Pet Protect has a score of 7.6 out of a total of 144 reviews.

Annual Installment Price: £109.62

Monthly instalment Price: £9.14

A SINGLE PAYMENT OF £109.62

OR MONTHLY PAYMENTS OF

DEPOSIT      £0.00
12 × £9.14
TOTAL         £109.62

Vet Fees

Up to £6,000 per policy year. Limits reinstated upon renewal.

Vet Fee Excess

£95 plus 5% of the rest of the cost of the veterinary treatment.

Benefits

 Vet Fees £6000
 Vet fee Excess £95.00+5%
 Third party £1 Million
 Death Not included
 Accidental damage Not included
 Advertising £1,000
 Boarding Fees £500
 Theft £1000

 

What is insured?

  • Vet fees cover up to £6000 per policy year for medication, nursing, and surgery.
  • CT and MRI scan included up to £750.
  • Cruciate ligament rupture covers up to £750.
  • Complementary medicines included as part of the vet fee limit up to a maximum of £450.
  • Prescription diet food included up to a maximum of £100.
  • Dental treatments covered up to £1000.
  • Loss and stolen your dog cover up to a £1000.
  •  Kennel or cattery fees covered up to a maximum of £500.
  • Holiday cancellation fees covered up to a maximum of £500.

What is not insured?

  • Vet fees for accidents, illnesses and conditions up to the annual condition limit are not cover in this insurance.
  • Routine pre-operative screenings not included.
  • Behavioral programs not covered.
  • Working dogs including dogs trained for commercial use is not included

Pros:

  • Vet Fees – Up to £6,000 per policy year. Limits reinstated upon renewal.
  • Boarding Fees up to £500 is cover
  • Death by Accident up to £750 is included in this insurance policy
  • Advertising Limit up to £1,000 including

Cons:

  • Death by Illness is not included
  • 24 Hour Claims Service is not available
  1. Emporium Pet Insurance Bronze

About: Insurance Emporium is a business name of The Equine and Livestock Insurance Company Limited (E & L), who has been in business for more than 70 years and also provides its pet policies.

Insurance emporium provides pet insurance for dogs and cats and there is a range of cover levels available. It provides Lifetime, maximum profit (also known as a pre-condition) and Time-Limited policies, and there are gold, silver and bronze cover levels for each of them.

Annual Installment Price: £99.26

Monthly instalment Price: £10.92

A SINGLE PAYMENT OF £99.26

OR MONTHLY PAYMENTS OF

DEPOSIT      £0.00
12 × £10.92
TOTAL          £99.26

Vet Fees

£2,000 per condition. Cover renews each policy term

Vet Fee Excess

£85 plus 5% of the remaining vet’s fees

Benefits

 Vet Fees £2000
 Vet fee Excess £85.00+5%
 Third party £1 Million
 Death  £750
 Accidental damage Not included
 Advertising £600
 Boarding Fees £500
 Theft £750


What is insured?

  • Any treatment following an injury, illness or condition is cover in this lifetime insurance policy.
  • Death of a pet is covered in this plan.
  • Cost of cancellation of your holiday if within 14 days of departure your pet needs emergency life-saving surgery.
  • If your dog is lost or stolen that will be also covered in this pet insurance policy.
  • Cost of advertising included.

What is not insured?

  • Injury, illness or condition which displayed clinical signs within 14 days of the start of your policy.
  • Death occurring 365 days after an injury, illness or condition first displayed clinical signs.
  • Damage caused by your pet vomiting is not included.

Pros:

  1. Accidental damage Included in this lifetime pet insurance plan.
  2. Death by Accident covers up to £750.
  3.  Boarding Fees included up to £500.
  4. Third party liability is covered up to £1,000,000

Cons:

  1. Costs not supported by a receipt or invoice.
  2. Death due to illness where your dog age is 8 years or over at the policy start or review date is not covered in this policy.
  1. Healthy Pet Extra

About: Healthy pets insure cats and dogs for 8 years. While many other insurance companies have the same policy, this means that owners of old pets can fight to find cover.
Healthy pets do not include claims of death from accident or illness for dogs of 9 years and older and cats aged 11 years or older.

Healthy pets can either pay you or your veterinarian if you claim, which usually occurs within 10 days of receiving the completed claim form. Remember that if you have to agree to pay your veterinarian directly to choose the option you have chosen.

There is some breed of dogs that will not ensure healthy pets. These include American pit bull terrier, Cao Fila and pit bull Mastiff. However, they will insure the most common breeds like Labrador, German Shepherd and Golden Retrievers. A list of dogs they can not get insurance can be found at the Healthy Pets website.

Annual Installment Price: £139.14

Monthly instalment Price: £11.59

A SINGLE PAYMENT OF £139.14

OR MONTHLY PAYMENTS OF

DEPOSIT      £0.00
12 × £11.59
TOTAL          £139.08

Vet Fees

£2,000 per condition per year. Limits reinstated upon renewal

Vet Fee Excess

£99 plus 20%

Benefits

 Vet Fees £2000
 Vet fee Excess £99.00+20%
 Third party £1 Million
 Death  £500
 Accidental damage Not included
 Advertising £500
 Boarding Fees £500
 Theft £500

What is insured?

  • All reasonable costs for treatment of your Pet by a Vet for Accidents and Illness if applicable
  • Vet fees covered
  • Cover for cruciate treatments in this insurance policy.
  • Complementary medication is covered in this lifetime insurance policy.
  • 3rd Party Dog Liability is cover up to £1,000,000
  • Liability cover if someone is injured by your Dog

What is not insured?

  • In the event of a claim, you are responsible for the first the monetary amount of each claim, known as an excess, the amount is detailed in the Policy Schedule where applicable.
  • Other exclusions and sub-limits apply to see policy wording
  • Dental treatment is not included.

Pros:

  1. Boarding Fees is covered up to £500
  2.  Third party liability excess is included up to £100
  3. Death by Illness covered up to £500
  4. Lost or Stolen your dog cover up to £500

Cons:

  1. Bereavement Counselling is not included in this insurance plan
  2. Quarantine costs are not covered

 

 

  1. Everypaw Pet Health Care 4k

About: Everypaw is a pet insurance provider based in Hertfordshire. It offers a range of policies, including maximum benefit and lifetime policies. This pet insurance policy covers all type of pet insurance. Now we tell you about lifetime pet insurance for a dog. Fairer Finance gives 3 stars for this particular insurance policy.

Annual Installment Price: £150.00

Monthly instalment Price: £12.50

A SINGLE PAYMENT OF £150.00

OR MONTHLY PAYMENTS OF

DEPOSIT       £0.00
12 × £12.50
TOTAL          £150.00

Vet Fees

£4,000 per policy year subject to a maximum of £1,000 per condition per policy year

Vet Fee Excess

£80

Benefits

 Vet Fees £4000
 Vet fee Excess £80.00
 Third party £2 Million
 Death  £500
 Accidental damage Not included
 Advertising £500
 Boarding Fees £500
 Theft £500

 

What’s insure

  • Vet Fees up to £4,000 per policy year subject to a maximum of £1,000 per condition per policy year is covered.
  • Boarding Fees up to £500 included in this policy plan.
  • Death by Accident covered up to £500
  • Lost or Stolen your dog coverup up to £500

Not insured

  • 24 Hour Claims Service is not available.
  • Legal Advice is not cover

 

Pros:

  1. Death by Illness is cover up to £500
  2. Third party liability is cover up to £2,000,000
  3. Third party liability excess included up to £250

Cons: 

  1. Working dogs including dogs trained for commercial use is not included
  2. Behavioral programs not covered.
  1. Legal and General Lifetime 2000

About: Founded in 1836, the legal and general group is one of the UK’s leading financial services companies. By December 31, 2017, there were over 9.5 million customers in Britain for its life insurance, pension, investment and general insurance plans.

The main difference between Lifetime and 12-month policies, different from cost, is an ongoing treatment of conditions. A twelve-month policy provides cover for every new accident or sickness charge limit or up to 12 months of illness. Any treatment required as a result of any condition will be excluded from future claims and pre-existing treatment conditions. Pet owners can choose from 2 cover levels: 12 months £ 2,000 and 12 months £ 5,000.

Annual Installment Price: £164.64

Monthly instalment Price: £13.72

A SINGLE PAYMENT OF £164.64

OR MONTHLY PAYMENTS OF

DEPOSIT      £0.00
12 × £13.72
TOTAL          £164.64

Benefits

 Vet Fees £2000
 Vet fee Excess £99
 Third party £1 Million
 Death £1500
 Accidental damage £500
 Advertising £750
 Boarding Fees £1500
 Theft £1500

 

Policy Fees

This is not a full list of fees, please check your policy documentation for full policy details and all applicable fees before purchasing.

  • Set up fee £0.00
  • Adjustment fee £10.00
  • Duplicate documents fee £10.00
  • Cancellation fee £30.00
  • Renewal fee £0.00

What is insured?

  • This insurance cover CT/MRI Scans, Complementary Medicine and Special Diet in veterinary fees up to £2,000
  • Third party legal liability (dogs only) up to £1,000,000 per claim.
  • Your pet dies for humane reasons because of accident or illness is cover up to the purchase price or the maximum benefit limit of £1,500.
  • Your pet dies for humane reasons because of accident or illness is covered up to £300.
  • A loss by theft and straying up to £1,500 if your pet is lost or stolen and is not found within 45 days.

What is not insured?

  • Any pet less than 8 weeks of age at the start date of the policy.
  • Any pet being used for breeding purposes, guarding, racing, coursing, beating or used in connection with any business, trade or profession.
  • Any claims for accident or claim for death due to an accident that occurred prior to the start of the policy.

Pros:

  1. Boarding fees up to £1,500 per claim.
  2. Overseas travel up to £2,000 for emergency veterinary treatment is included in this plan.
  3. Loss of pet’s passport covers up to £250.
  4. Quarantine costs cover up to £1,000 per trip.

Cons:

  1. Any adverse behavioral or aggressive characteristics is not cover.
  2. Death of your pet due to illness is not covered.
  1. Pdsa Pet insurance Advance

About: Defaqto – independent financial services reviewing the site – gave PDS Pet Ultimate and Ultimate Plus policies in 5 out of 5 stars, giving them ‘excellent products with a wide range of facilities and benefits’.

The company’s advanced and advanced plus policies have received 4 stars, giving them ‘products with good levels of facilities and benefits’ and in the end, the PDSA accident-only option received 2 out of 5 stars, making it’ generally An average category is offering features and benefits.

Annual Installment Price: £170.40

Monthly instalment Price: £14.20

A SINGLE PAYMENT OF £170.40

OR MONTHLY PAYMENTS OF

DEPOSIT      £0.00
12 × £14.20
TOTAL          £170.40

Benefits

 Vet Fees £1500
 Vet fee Excess £75
 Third party £1 Million
 Death £500
 Accidental damage Not included
 Advertising £250
 Boarding Fees £500
 Theft £500

Policy Fees

This is not a full list of fees, please check your policy documentation for full policy details and all applicable fees before purchasing.

  • Set up fee £0.00
  • Adjustment fee £0.00
  • Duplicate documents fee £0.00
  • Cancellation fee £30.00
  • Renewal fee £0.00

What is insured?

  • In this insurance policy veterinary fees up to £1,500 per period.
  • Third party liability (dogs only) up to £1,000,000 is insured.
  • Death of your pet up to £500 if your pet dies because of an injury or illness or as a result of your vet putting your pet to sleep due to injury or illness.
  • Your pet is lost or stolen is covered up to £500.

What is not insured?

  •  Any pet being used for commercial breeding purposes, guarding, track racing, coursing or used in connection with any business, trade, profession or occupation.
  • Any pet which has aggressive tendencies or has been trained to attack is not included.

Pros: 

  1. Advertising costs up to £250 are covered.
  2. Boarding fees included up to £500.
  3. Loss of PETS passport up to £250 per trip covered in this lifetime insurance plan.

Cons:

  1. Any treatment costs in excess of the benefit limit per period of insurance.
  2. Any dentistry costs not included.

 

Conclusion

When we compare all insurance companies detail for lifetime pet cover insurance for a dog now we conclude that Animal Friends pet insurance company rate is very low for lifetime pet insurance. We talk about Animal Friends pet insurance company give you up to £1.5 Million covers for third-party excess charges. We talk about Pet Protect Plus insurance company, its rating is very good in popular review sites like Defaqto and Trustpilot. Emporium Pet insurance policy gives you better money for Boarding Fees, Advertising fee etc. But Legal and General Pet Lifetime insurance monthly instalment price is high and it also not gives you any benefit compared to others.

When we research all the lifetime pet insurance plan for the dog we concluded that Animal Friends insurance company plan is the best home insurance plan in all these plans. Its monthly chargers are low and its fill up all your demands and conditions. But please note one thing this is our personal review on this. Although we seek to ensure that the information provided on this policy is accurate, we cannot accept any liability for any errors or omissions, including where features of the policy have changed since we last reviewed them.

 

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