Lifetime Pet Insurance

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.

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 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

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.

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