Compare Lifelong Pet Insurance

Your pet isn’t just an animal – he or she is a much-loved member of your family. It is no surprise, then, that more and more people are investing in a quality pet insurance policy to protect them against the inevitable vet costs that may occur as the result of ongoing conditions, particularly later in life. At Compare Pet Care, we take the hassle out of choosing a lifelong pet insurance policy. Simply browse the range of available policies from reputable providers below.

(Click the column titles to sort the policies in order).

Insurer & Policy Name
Vet Fees & Claim Type

Vet Fees & Claim Types

Per Condition:
Covers your pet up to the Vet Fees specified for each condition.
Per Year:
Covers your pet up to the Vet Fees specified for ALL condition.
Time Limit

Time Limit

Time limit on claiming, from start of eligible condition.

Rating

Rating

Content.

Online Discount Benefits & Extras

Aviva

Aviva

Platinum

£6500 Per Year Lifelong 5 Stars 5 Stars 10%
Show Extras

Platinum

  • Access to Pet Legal and Vet Finder help lines
  • Third party liability up to £1 million for dogs
  • All Policies are Lifelong
Get a Quote

Aviva

Aviva

Silver

£1500 Per Year Lifelong 3 Stars 3 Stars 10%
Show Extras

Silver

  • Access to Pet Legal and Vet Finder help lines
  • Third party liability up to £1 million for dogs
  • All Policies are Lifelong
Get a Quote

Aviva

Aviva

Gold

£3500 Per Year Lifelong 4 Stars 4 Stars 10%
Show Extras

Gold

  • Access to Pet Legal and Vet Finder help lines
  • Third party liability up to £1 million for dogs
  • All Policies are Lifelong
Get a Quote

Debenhams

Debenhams

Silver

£4000 Per Condition Lifelong 3 Stars 3 Stars 0%
Show Extras

Silver

  • Third party liability up to £1 million for dogs
  • Can pay Vets Direct
  • Free Advice Helpline/s
Get a Quote

Argos

Argos

Platinum

£7000 Per Year Lifelong 5 Stars 5 Stars 5%
Show Extras

Platinum

  • Pay monthly at no extra cost
  • Pay out on over 90% of claims
  • 93% of customers recommended our cover
  • Lifetime cover for illnesses and injuries with no limit to the length of treatment
Get a Quote

Debenhams

Debenhams

Gold

£7000 Per Condition Lifelong 4 Stars 4 Stars 0%
Show Extras

Gold

  • Third party liability up to £1 million for dogs
  • Can pay Vets Direct
  • Free Advice Helpline/s
Get a Quote

Debenhams

Debenhams

Bronze

£2000 Per Condition Lifelong 2 Stars 2 Stars 0%
Show Extras

Bronze

  • Third party liability up to £1 million for dogs
  • Can pay Vets Direct
  • Free Advice Helpline/s
Get a Quote

Direct Line

Direct Line

Advanced

£6000 Per Condition Lifelong 3 Stars 3 Stars 10%
Show Extras

Advanced

  • Can pay Vets Direct
  • Free Advice Helpline/s
  • 15% Multi-Pet Discount
Get a Quote

Healthy Pets

Healthy Pets

Bronze

£1000 Per Condition Lifelong 2 Stars 2 Stars 20%
Show Extras

Bronze

  • All Policies are Lifelong
  • Can pay Vets Direct
  • No Maximum Age Limit
  • Featured in the Which Best Buy Pet Insurance Category
Get a Quote

Healthy Pets

Healthy Pets

Silver

£4250 Per Condition Lifelong 3 Stars 3 Stars 20%
Show Extras

Silver

  • All Policies are Lifelong
  • Can pay Vets Direct
  • No Maximum Age Limit
  • Featured in the Which Best Buy Pet Insurance Category
Get a Quote

Healthy Pets

Healthy Pets

Gold

£7500 Per Condition Lifelong 4 Stars 4 Stars 20%
Show Extras

Gold

  • All Policies are Lifelong
  • Can pay Vets Direct
  • No Maximum Age Limit
  • Featured in the Which Best Buy Pet Insurance Category
Get a Quote

Homebase

Homebase

Cat Care

£1000 Per Year Lifelong 3 Stars 3 Stars 10%
Show Extras

Cat Care

  • Save an extra 7.5% if your cat has a micro chip, if not receive £15 towards the cost of micro chipping
  • Pay monthly at no extra cost
  • 10% Multi-Pet Discount
Get a Quote

Homebase

Homebase

Cat Care Plus

£2500 Per Year Lifelong 4 Stars 4 Stars 10%
Show Extras

Cat Care Plus

  • Save an extra 7.5% if your cat has a micro chip, if not receive £15 towards the cost of micro chipping
  • Pay monthly at no extra cost
  • 10% Multi-Pet Discount
Get a Quote

Homebase

Homebase

Platinum

£7500 Per Year Lifelong 5 Stars 5 Stars 10%
Show Extras

Platinum

  • Pay monthly at no extra cost
  • 10% Multi-Pet Discount
  • £2 million Third Party Liability
Get a Quote

Marks and Spencer

Marks and Spencer

Standard

£4000 Per Year Lifelong 3 Stars 3 Stars 15%
Show Extras

Standard

  • M&S Cardholders receive 250 M&S points
  • Free Advice Helpline/s
  • No Maximum Age Limit
Get a Quote

Marks and Spencer

Marks and Spencer

Premier

£7000 Per Year Lifelong 5 Stars 5 Stars 15%
Show Extras

Premier

  • M&S Cardholders receive 250 M&S points
  • Free Advice Helpline/s
  • No Maximum Age Limit
Get a Quote

Pet Plan

Pet Plan

Classic

£7000 Per Year Lifelong 5 Stars 5 Stars 10%
Show Extras

Classic

  • Can pay Vets Direct
  • Highly Commended in the 2011 Consumer Moneyfacts Awards
  • Free Advice Helpline/s
Get a Quote

Pet Plan

Pet Plan

Ultimate

£12000 Per Year Lifelong 5 Stars 5 Stars 10%
Show Extras

Ultimate

  • Can pay Vets Direct
  • Highly Commended in the 2011 Consumer Moneyfacts Awards
  • Free Advice Helpline/s
Get a Quote

Pet Protect

Pet Protect

Lifelong Plus

£4000 Per Year Lifelong 3 Stars 3 Stars 0%
Show Extras

Lifelong Plus

  • Upto 50% off Prescribed Diet Foods
  • All Policies are Lifelong
  • Can pay Vets Direct
Get a Quote

Pet Protect

Pet Protect

Lifelong Extra

£6000 Per Year Lifelong 5 Stars 5 Stars 0%
Show Extras

Lifelong Extra

  • Upto 50% off Prescribed Diet Foods
  • All Policies are Lifelong
  • Can pay Vets Direct
Get a Quote

Sainsburys

Sainsburys

Option 2

£7500 Per Condition Lifelong 3 Stars 3 Stars 20-25%
Show Extras

Option 2

  • Nectar card holders receive a 25% online discount, with non-card holders receiving a 20% discount
  • Double Nectar points for 2 years on Sainsburys shopping if you choose an Option 2 policy
  • Best Online Pet Insurance Provider Your Money Direct Awards 2011
Get a Quote

Co-Operative

Co-Operative

Select Plus

£5000 Per Year Lifelong 5 Stars 5 Stars 25%
Show Extras

Select Plus

  • Part of The Co-operative Group whose businesses have for many years championed and led the way in animal welfare
  • Pay monthly at no extra cost
  • Comprehensive dental cover
Get a Quote

VetsMediCover

VetsMediCover

Pet Insurance

£10000 Per Year Lifelong 3 Stars 3 Stars 8.33%*
Show Extras

Pet Insurance

  • *Get one extra month free when buying online (equivalent to 8.33%)
  • Simple, easy to understand fixed price structure
  • All Policies are Lifelong
  • Cover for Dental Treatment & Complimentary Therapy
Get a Quote

Virgin

Virgin

Accident
& Illness Extra

£6000 Per Condition 12 Months 3 Stars 3 Stars 10%
Show Extras

Accident
& Illness Extra

  • 15% Multi-Pet Discount
  • Free Advice Helpline/s
Get a Quote

More Than

More Than

Pet Insurance

£7000 Per Condition Lifelong 3 Stars 3 Stars 20%
Show Extras

Pet Insurance

  • Free Advice Helpline/s
Get a Quote

Tesco

Tesco

Extra

£7500 Per Condition Lifelong 3 Stars 3 Stars 20-25%
Show Extras

Extra

  • Tesco Clubcard holders receive a 25% online discount, with non-card holders receiving a 20% discount
  • Option to pay with Tesco Clubcard Vouchers
  • No Maximum Age Limit
  • Free Advice Helpline/s
Get a Quote

John Lewis

John Lewis

£3500 Cover

£3500 Per Year Lifelong 3 Stars 3 Stars 0%
Show Extras

£3500 Cover

  • Can pay Vets Direct
  • No Maximum Age Limit
  • Pay monthly at no extra cost
  • All Policies are Lifelong
Get a Quote

John Lewis

John Lewis

£7000 Cover

£7000 Per Year Lifelong 4 Stars 4 Stars 0%
Show Extras

£7000 Cover

  • Can pay Vets Direct
  • No Maximum Age Limit
  • Pay monthly at no extra cost
  • All Policies are Lifelong
Get a Quote

John Lewis

John Lewis

£10000 Cover

£10000 Per Year Lifelong 5 Stars 5 Stars 0%
Show Extras

£10000 Cover

  • Can pay Vets Direct
  • No Maximum Age Limit
  • Pay monthly at no extra cost
  • All Policies are Lifelong
Get a Quote

Things to consider with Lifelong Insurance

At a time when finances are increasingly tight for many people, it is easy to get distracted by insurance policies offering incredibly low premiums. However, most of the lowest priced pet insurance plans will only pay out up to a specific amount, and only for a limited period after your pet has been diagnosed with an illness or condition.

Think about the possibility of large vet bills that you will have to pay if your pet suffers an illness that goes on for several years. Lifelong pet insurance covers the most in-depth medical procedures, with much higher payout limits per year than other types of pet insurance.

Providing that you continue to pay the premiums and to renew your insurance every year, a lifelong pet insurance policy gives you complete confidence that your pet is covered for its entire life. Although the premiums on these types of policy are higher, insurers are sometimes willing to potentially pay out tens of thousands of pounds a year to help with keeping your pet healthy.

Usually, a lifelong pet insurance policy has a high level of possible payout per condition or per year. After twelve months, if your pet’s condition is not resolved, you will be able to claim for more expenses across the next year, rather than being left to make up the difference from your own pocket.

As well as lifelong insurance policies with a rolling amount payable per year per condition, some alternatives have a fixed amount of money that is payable per condition across the lifetime of your pet. It is important to check which one of these you are getting – if you choose a policy with a fixed amount per condition in the pet’s lifetime, you could find that this money is exhausted too soon.

Regardless of the type of payout plan you choose, many lifelong pet insurance plans come complete with a range of added perks and benefits. This may include access to free pet health advice lines, assistance with advertising and offering a reward for any pet that becomes lost, and even claims for dental treatment and complimentary medicines.