Lifetime Pet Insurance

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

Lifetime pet insurance is the most extensive pet insurance cover you can get for your cat or dog. As long as you  renew your policy each year, it’ll last for their whole life of your pet and pay out for each new condition up to the policy limits per year.

Our cover levels include Lifetime cover with vet fees up to £10,000.

Lifetime Pet Insurance

Our Lifetime Pet Insurance is a comprehensive pet insurance for both cats and dogs. Lifetime Insurance 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 active. Vet fees are covered up to a maximum amount, which is reinstated each year.

Lifetime cover is seen as the premium cover, and gives you the most extensive insurance for your cat or dog. Lifetime covers your pet year after year, for your pet’s lifetime, as long as you don’t cancel your policy or let it lapse at renewal.

Lifetime pet insurance cover is ideal if your pet develops a long-term illness, such as arthritis, diabetes or a skin condition.

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.

What our Lifetime Pet insurance covers
Max benefit pet insurance
Pet Insurance FAQ

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.

Lifetime insurance has a limit each year on either how much you can claim per condition, or the overall amount you can claim for all conditions, or both.

For instance, your policy has a £5,000 annual limit per condition and a £10,000 overall annual limit.

If your pet develops a skin allergy, and it flares up every year. The vet bills and medication come to £4,000 in the first year, so you’re covered for all the treatment.

The following year it costs £6,000 to treat. That means you’ll have to pay £1,000 yourself as the treatment cost exceeded the per condition limit.

But you can still claim up to £5,000 each year for any other insured condition, until the overall annual limit Is reached.

  • Vet costs – The policy will cover treatment for injury or illness, up to the per condition or per year limit. These limits will reset each year and conditions you’ve previously claimed for will still be covered
  • Third party liability cover – Covers claims against you for loss or damage caused by your pet.
  • Dental cover – Usually only as a result of accident or injury. Routine dental treatment is generally not covered. Check your policy form more details.
  • Complimentary therapies, for example acupuncture or hydrotherapy – some policies will cover this if it’s been recommended by your vet
  • Lost or stolen pets – Your insurance will pay a proportion of the pets value if they sadly can’t be found.
  • Euthanasia – If the worst should happen, pet insurance can cover the cost of your pet being put to sleep.

Lifetime, Maximum Benefit or Time Limited

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 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

FirstVet is an independent digital veterinary service that offers video consultations to pet owners for advice and guidance on your pets – wherever you are.

Our team of experienced vets is on hand 24 hours a day, 7 days a week, 365 days a year providing online vet advice and triage to owners and their pets. If you are looking for an emergency vet near you, or you need to speak to a vet now, you can book an appointment in minutes through our app.

Over 60% of our customers don’t need to visit a vet.

To read more, visit here


£ 7
  • Offers continuous cover against accidents and illnesses while the policy is active.
  • The annual policy limit is refreshed when you renew the policy
  • As with other policies, pre existing conditions may no longer be covered if you change provider
  • Cover from 8 weeks old

A flexible range of Pet Insurance cover

Pay monthly, with no interest

24hr Vet Video cover

3 flexible levels of cover

Friendly UK based call centre

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 Insurance
FREE vet video calls 24/7 - included in your policy

CoverMy has partnered with First Vet to provide free video consultations to it’s insurance customers

First Vet


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.


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.

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