Pet Insurance Lifetime

Lifetime Policy

Our Lifetime policy provides cover for costs incurred from Accidental Injury and Conditions

From
£6.12

Our Lifetime policy provides cover for costs incurred from Accidental Injury and Conditions, and could cover ongoing Illnesses over a number of years as long as the policy remains in force.

While each policy has an annual limit for each Condition, this refreshes upon annual renewal and as long as the policy is continually renewed, exclusions will not be applied. This means long-term Illnesses will be covered as long as you keep your policy live, even if the Illness spans a number of years.

Lifetime cover at a glance

Pay monthly, with no interest

Flexible excess options

3 flexible levels of cover

Friendly UK based call centre

Lifetime Key Benefits
Benefit Limits
£1,000, £2,000, £3,000, £4,000 and £5,000
Vet fees
The limit per condition is your benefit limit per policy year.
Third party liability
£1,000,000 per claim
Death from Accident
£1,000 per claim
Death from Illness
£1,000 per claim
Holiday cancellation
£1,000 per claim
Holiday Cover
£1,000 per claim
Complimentary Treatment
£500 per claim
Theft and straying
£1,000 per claim
Emergency Boarding fees
£1,000 per claim
Accidental Damage
£1,000 per claim
Advertising and Reward
£1,000 per claim

Excess

Your excess on this policy is £90.

How is an excess applied?

There is an excess to pay on the policy in the event of a claim for vet fees. This is the amount you are required to pay towards each new Accidental Injury or condition for the duration of the policy.

The Policy excess is deducted from the overall limit of your cover.

Example

If you have a benefit limit of £4,000, and your policy excess is £90, the maximum settlement made would be £3,910 for a single condition.

Your limits refresh annually, so if the claim spans multiple years you will find that the policy excess is applied to the replenished per-condition limit.

When does a Co-payment apply?

Depending on the age of your pet, a co-payment may also apply, which is the amount that you are required to pay towards a claim (in addition to the Policy excess).

A co-payment is generally payable for dogs aged 5 years and older and for cats aged 8 years and older.

The co-payment is deducted from the overall limit of your cover. You can check your Quote Schedule to confirm the exact percentage applicable. This document will be sent to you once you have completed a quote.

Example
Excess Applying
£90
Amount claimed less excess
£3,910
Co Payment amount at 10%
£391
Payment to Customer
£3519

Trusted service with support you can rely on

Trusted service with support you can rely on

Having a pet become unwell or injured is stressful enough, the last thing you want to do is face financial problems as a result. We can’t stop your pet from becoming poorly, but we can take the financial burden away at this stressful time.

Quickly settled claims

Our team are experts in making the claim process as seamless and straightforward as possible, so we set about processing your claim straight away, and aim to have it all sorted as quickly as possible for you.

Save yourself unforeseen costs

According to the Association of British Insurers, the cost of the average pet insurance claim in 2018 was £793, more than twice the average annual premium for dogs and over three times that for cats. The average pet insurance claim has increased by 75% over the last decade.

Pet Comparison Table

Time Limited

from
£5.72 / month
  • Cover for accidents, illnesses and conditions for 365 days or until the condition limit is reached.
  • Upon renewing the policy, cover for eligible conditions continues.
  • Cover from 8 weeks old

Maximum Benefit

from
£5.92 / month
  • Cover for accidents, illnesses and conditions up to the specified cover limit, while the policy is active.
  • When a condition’s claim limit is reached, you will not be able to claim for that condition again.
  • Cover from 8 weeks old

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Frequently Asked Questions

Lifetime, Maximum Benefit or Time Limited

This is the most complete type of pet insurance available. It covers accidents, injuries or illnesses for the lifetime of your pet, subject to limits set out in the policy, the limit resets each policy year.

This will cover illnesses and accidents up to a maximum amount per condition, but there’s no time limit on how long you can claim for.

This will cover illness as well as accidents up to the claim limit or 365 days per condition, whichever occurs sooner

Your pet will not be covered for any claims relating to accidental injury for 5 days from the start date of your policy Your pet will not be covered for any claims relating other covers types for 14 days from the start date of the policy.

Please contact The Insurance Factory on 03330096721 or email petclaims@insurancefactory.co.uk or visit the Cover My website to download a claim form

Yes, this can be arranged subject to agreement from your vet

You should contact the claim handler; The Insurance Factory on 03330096721 as soon as you think you may have a claim and they will let you know how to proceed

Yes there is a fixed excess and a % Excess you choose the excess level at the start of the policy.

What is a % Excess?

This is the amount that you are required to pay towards a claim (in addition to the excess). The % Excess is deducted from the overall limit of Your cover. By way of an example, if You have a benefit limit of £4,000, a Policy excess of £90 and a co-payment percent of 10% the maximum settlement would be £3,519 for a single Condition in a single year.

  • Amount claimed £4,000
  • Excess Applying £90
  • Amount claimed less excess £3,910
  • Co Payment amount at 10% £391
  • Payment to Customer £3519

What is the excess amount?

For cats aged under 10 and most breeds of dog under 8 the fixed excess is either £50 or £100 and the % excess is either 0% or 15% depending on what you choose at the start of the policy.

For selected breeds of dog under 8 the fixed excess is either £50 or £100 and the % excess is 15%. (It will be clear during the application process whether your dog is one of the selected breeds where a 15% excess always applies)

For cats aged 10 or over and all dogs aged 8 or over the fixed excess will be £50 or £100 (depending on your choice at the start of the policy) and the % excess will be 15%

Yes, your policy will automatically renew unless you tell us you no longer want the cover. We do this to ensure that your pet has continuous cover. We will contact you no later than 21 days before your policy is due to renew, so you can cancel or make any changes

Cover My Helphub

Customer Services number: 0800 980 5134

Claim Phone number: 03330 096721

Claim email: petclaims@insurancefactory.co.uk