Lifetime Pet Insurance Review

Lifetime Pet Insurance Review

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Choosing the right Pet Insurance is extremely important, as the wrong choice now could have severe financial consequences later and comparing numerous policy terms and conditions can be daunting.

Our independent rating and review highlights the important points we think you should know about when choosing an insurance policy to cover your pet.

Once you have read this review of Lifetime Pet Cover and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Lifetime Pet Insurance

Lifetime Pet Insurance reviewed by Jonathan 25/10/2020.

Lifetime Pet Cover are an awarding winning pet insurer. This is the fourth consecutive year, Lifetime Pet Cover have been named finalists in the Best Pet Insurance Provider category in the Insurance Choice Awards 2020.
Lifetime Pet Cover Limited act as an Appointed Representative of Trent Services (Administration) Limited who are directly authorised and regulated by the Financial Conduct Authority.

The company offer three new business lifetime policies and two additional policies which are available at renewal.

Lifetime Pet Insurance is underwritten by ETU Forsikring A/S based in Denmark and authorised and regulated by the Finanstilsynet (the Danish Financial Regulator). As an Insurance Company authorised within the European Union, ETU Forsikring A/S is permitted to conduct business within the United Kingdom and is authorised by the Financial Conduct Authority.

How to Buy Pet Insurance from Lifetime Pet Cover

Click on the website link to go directly to the insurance providers website. Visit Lifetime Pet Cover's Website and Get a Quotation direct

How Lifetime Pet Insurance 's Policies have been ranked using our star rating formula?

Click on the white bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Lifetime Pet Cover.

Dog Policy Ratings Click to Expand

We have reviewed 3 Dog Policies from Lifetime Pet Insurance. They are - Lifetime £4000 - Lifetime £2000 - Lifetime £3000 . We have rated these as follows:-

Rating for Dog Lifetime £4000 :

Rating for Dog Lifetime £2000 :

Rating for Dog Lifetime £3000 :

Lifetime Dog Insurance Review

Rabbit Policy Ratings Click to Expand

found no policies available for this section.

Lifetime Rabbit Insurance Review

Cat Policy Ratings Click to Expand

We have reviewed 3 Cat Policies from Lifetime Pet Insurance. They are - Lifetime £4000 - Lifetime £3000 - Lifetime £2000 . We have rated these as follows:-

Rating for Cat Lifetime £4000 :

Rating for Cat Lifetime £3000 :

Rating for Cat Lifetime £2000 :

Lifetime Cat Insurance Review
  • Policies must provide cover for all core sections and all secondary sections.
  • Vets Fees - Policies must provide a minimum maximum benefit of £6,000, or £4,000 per condition and cover either;
  1. A maximum benefit per condition no renewal guarantee.
  2. A maximum limit per condition with a lifetime renewal guarantee; or
  3. A maximum benefit per year with a lifetime renewal guarantee.
  • Cruciate Ligaments - Damage to, or disease of the cruciate ligament is a common problem in animals. Most policies include cover for this within their overall vet fees limit. In line with industry averages, a policy must offer cover of at least £4,000.
  • MRI/CT Scans - If your pet suffers from seizures, paralysis or back problems, your vet may recommend an MRI scan. Most policies include cover for this within their overall vet fees limit. In line with industry averages, a policy must offer cover of at least £2,000.
  • Euthanasia - If your pet needs to be put to sleep to alleviate further suffering, policies must cover this. A policy must offer at least £100 to cover the cost of euthanasia.
  • Complementary treatments ? The industry average for complementary treatments such as physiotherapy is £1,000. Five star policies have at least this amount of cover.
  • Prescribed Food - All five star policies must cover the cost of prescription food (to treat bladder stones) up to at least £100
  • Dental treatment - Dental treatment for accidents of at least £500.
  • Loss of your Pet - The industry average benefit for loss of your pet due to accident, illness, theft or straying is £1,000. All policies must offer at least this amount.
  • Compulsory excesses - The industry average for the age at which additional compulsory excesses are charged is 6. All five star policies will not charge an additional compulsory excess until at least this age.
  • Five-star policies may provide additional service and cover benefits over and above standard policies.
  • Premiums are competitive in relation to the cover provided.
  • Five-Star policies have clear and consumer friendly, wording and explanations of cover.
  • The standard excess is equal or lower than the £100 market average.
  • Four-star policies cover all core sections and secondary sections under a pet insurance policy.
  • Four-Star policies offer Veterinary Fees cover that are above the market average and provide either
  1. A maximum benefit per condition no renewal guarantee.
  2. A maximum limit per condition with a lifetime renewal guarantee; or
  3. A maximum benefit per year with a lifetime renewal guarantee.
  • Four-star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four-star policies may provide additional cover benefits.
  • Premiums are competitive in relation to the cover provided.
  • Four-star policies have clear and consumer friendly wording and explanations of cover.
  • Three star policies cover all core sections, but may not offer all secondary sections of cover.
  • Three star policies cover veterinary fees that may be lower than the market average and provide either
  1. A maximum limit per condition limited to 12 months
  2. A maximum benefit limited to 12 months.
  3. A maximum benefit per condition no renewal guarantee
  4. A maximum limit per condition with a lifetime renewal guarantee; or
  5. A maximum benefit per year with a lifetime renewal guarantee.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies have some secondary covers lower than the market average.
  • Three star policies may not have all the features and benefits of a four or five star policy.
  • The standard excess may be higher than the market average.
  • Two star policies generally provide cover that is below the market average and/or have core and secondary sections of cover missing from their policies.
  • Two star policies cover veterinary fees cover that are below the market average and provide either
  1. Accident only cover,
  2. A maximum limit per condition limited to 12 months,
  3. A maximum benefit limited to 12 months,
  4. A maximum benefit per condition no renewal guarantee,
  5. A maximum limit per condition with a lifetime renewal, guarantee; or
  6. A maximum benefit per year with a lifetime renewal guarantee.
  • Two star policies may have sections of cover missing.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess can be higher than the market average.
  • Policy wordings may not be as consumer friendly as other Insurers and contain more terms and conditions

Key Points you need to know about Lifetime Pet Cover's policy wording

1. What are the eligibility criteria for Pet Insurance?

You and your pet must be permanently resident in the United Kingdom and older than 8 weeks (there is no upper age limit).
Your pet must have annual examinations and up to date vaccinations (inlcuding boosters) as recommended by your vet against
Dogs – Distemper, hepatitis, leptospirosis and parvovirus.
Cats – Feline infectious enteritis, feline leukaemia and cat flu.

Your dog must not have been the subject of any complaint to the police and be micro chipped.

Your Pet must be registered at a United Kingdom Veterinary Practice on the Policy start date.

Dogs on designated roads must be on a collar and lead under control. The dog lead, collar/harness must be in good condition and fit so preventing your pet from escaping.

You must also ensure that any lead is used in such a way as to prevent the same slipping out of your grasp should Your Pet suddenly pull away from You.

You must ensure your Pet cannot escape or stray from your property and any area in which a dog is kept must be secure and appropriately fenced or otherwise secured and all reasonable steps must be taken to prevent escape.

When loading your Pet into or out of a vehicle, you must ensure that the area is either secure or your Pet is on a lead.

2. What type of policies do they offer?

Lifetime Pet Insurance have three policies to choose from.

They provide vet fees up to a maximum amount which in this case is either £2,000, £3,000 or £4,000 which is reinstated each year.

Once your policy is due for renewal the maximum benefit can be increased to £6,000 or £10,000 if required.

 

3. What's not covered?

This is a list of important exclusions. Lifetime Pet do not cover:

  1. Preventative Treatments and any complications arising from treatment.
  2. Costs for killing and controlling fleas or worms.
  3. Vaccinations.
  4. Routine, or investigative laboratory tests or procedures, unless symptoms exist and they are being used to diagnose a specific condition.
  5. Castration, Spaying, removal of dew claws (unless damaged), retained testicles, or umbilical hernias.
  6. Costs associated with breeding as well as pregnancy and birth (including caesarean sections).
  7. House Calls, Out or Hours visits, or hospitalisation unless the vet confirms that it is absolutely essential.
  8. The cost of bathing, grooming or de-matting, unless you have taken all reasonable steps to maintain your pets health and a vet confirms that treatment is needed and can only be carried out by a qualified vet.
  9. More than one claim for a Dietary Indiscretion (ingesting something your pet cannot tolerate) during any one Period of Insurance.
  10. Any Veterinary Fees for treatment to a Vets own Pet and fees for pets belonging to veterinary practice staff unless claimed at cost price.
  11. The cost of any prosthesis, including any Veterinary Treatment needed to fit the prosthesis, other than the cost of hip, knee and/or elbow replacement(s).
  12. The cost of any claim caused by Your negligence (including the treatment of obese Pets and symptoms incidental to obesity).
  13. The cost of pheromone Vet Plan Product, including DAP diffusers and Feliway unless used as part of a structured behaviour modification programme, and then limited to a maximum period of 6 months.
  14. Your Pet being used for guarding, track racing or coursing.
  15. The following breeds of dog ;Affenpinscher, Akita, Alapaha Blue Blood Bulldog, American Akita, American Bandogge, American Bull Dog, American Pit Bull Terrier, American Staffordshire Bull Terrier, Anatolian Shepherd Dog, Australian Dingo, Australian Shepherd, Australian Shepherd Dog, Bandogge Mastiff, Boerboel, Boston Terrier, Boxer, Brussels Griffon, Bulldog, Bulldog (Toy), Bullmastiff, Bully Kutta, Cane Corso, Caucasian Shepherd Dog, Caucasian Ovcharka, Cava-Tzu, Chesapeake Bay Retriever, Chinese Shar-pei, Chow Chow, Czechoslovakian Wolfdog, Dandie Dinmont Terrier,
    Dogo Argentino, Dogo Canario, Dogue De Bordeau, Dorset Old Tyme Bulldog, English Bull Dog, English Toy Spaniel, Fila Braziliero, Foxhound, Great Dane, Greyhound, Griffon (Rough Haired), Griffon Bruxellois, Gull Dong, Irish Staffordshire Bull Terrier, Irish Wolfhound, Japanese Akita, Japanese Chin, Japanese Spaniel, Japanese Tosa, Karabash, Korean Jindo, Malshi, Mastiff, Neopolitan Mastiff, Newfoundland, Northern Inuit, Old English Mastiff, Pekinese, Perro De Presa Canario, Pit Bull, Pitbull Terrier, Pyrenean Mastiff, Saarloos Wolfdog, Saarloos Wolfhound, Shar Pei, Tibetan Mastiff, Utonagan, Victorian Bulldog, Wolf Hybrid, or any breed crossed with one of these breeds, including any “type”, as defined in the Dangerous Dogs Act 1991.
  16. Accidental or Illness Death benefit if your pet is aged 6 years and over.

 

4. Are complementary treatments covered?

Complementary Treatment is covered up to £1,000 (this amount is included within the overall vet fees limit) and is described as treatments, including herbal or homeopathic medicine, which must be recommended by your vet and carried out by a qualified Complementary Therapist.

5. Does the policy cover Prescription food and Dentistry?

All policies exclude the cost of prescription food.

Dental treatment is covered up to the vet fees limit, as long as your vet had it's teeth checked within the last 12 months and any treatment carried out.

6. Are MRI/CT scans and Cruciate Ligament claims covered?

Both MRI/CT Scans and Cruciate Ligament claims are covered up to the vet fees limit.

Note Any claim for cruciate ligaments that occurs within 14 days of the commencement date of the Policy will be treated as an Illness and not covered.

7. Does the policy cover the cost of euthanasia?

All Lifetime Pet Cover policies exclude any costs related to Euthanasia, Cremation or Burial.

8. Can I cover more than one pet on the same policy?

Lifetime Pet cover allows you to cover more than one pet under the same policy.

9. Will the policy cover my pets pre-existing medical conditions?

All Lifetime Pet policies exclude your pet's pre-existing medical conditions, described as any condition, illness, injury or bilateral condition which occurred, or first showed clinical signs prior to the Policy start date, whether diagnosed or not or existing in any form even if the diagnosis changes.

However if the condition has been treated, your pet fully recovered, leaving no future problems or underlying weakness and your pet has not received any further treatment, or vet consultations relating to the condition within the last 24 months, it would not be classed as pre-existing and covered under the policy.

10. Will the policy cover my pet during pregnancy?

All Lifetime Pet cover policies exclude any costs associated with breeding, pregnancy and birth (including caesarean sections).

11. Am I covered to take my pet abroad?

All policies extend vet fees to cover your pet anywhere in the world for up to 3 months, provided your pet has a valid passport and accompanying you on holiday. The policy does not cover additional costs such as quarantine, emergency repatriation, holiday cancellation,  or loss of passport.

12. Is there a waiting period before I am covered?

Policies exclude any claim for illness, cruciate ligaments or Dietary Indiscretions that occurs within 14 days and any accident that occurs within 5 days of the commencement date.



13. How much of any claim do I have to pay?

The standard excess for cats and dogs, payable per claim is £95.

14. Am I required to make additional monetary contributions to any claim?

When your pet reaches the age of 7, you will be expected to pay an additional 20% of the cost of any claim on top of the standard excess. When your pet reaches the age of 12, this increases to 25%.

For example you make a claim for your 12 year pet totally £1500, you would be expected to pay £95 plus 25% totalling £446.25.

 

15. Website Navigation and online shopping experience

The website is nicely laid out, but aside from vet fees cover, doesn't provide any real information about the policy, what else is or isn't covered, inner limits etc. Some basic information is dealt with in frequently asked questions and you have access to the policy wording, which does list inner limits and sums insured in each section, so we recommend you read this carefully.

The quotation system is easy to use, but even at the quotation stage, all you see is the choice of vet fees cover, with no explanation of what else is covered.

The website does not operate live chat, but you can email or phone them with any queries.

16. Is the policy wording easy to understand?

The 18 page policy wording does not include a summary of cover, although there is a very helpful index and heading are colour coded.

In tests, the policy wording scored 57.2 out of 100 classed as fairly difficult to read and estimates a reading age of between 12 - 14 to be able to understand the content.

17. Is the Insurer listed on comparison sites?

Lifetime Pet Cover appear on Confused.com and Compare the Market, with the same levels of cover and premium as you can obtain going direct to Lifetime Pet Cover's website.

18. Does the policy include a helpline?

Aside from claims and general queries, Lifetime Pet cover do not provide a helpline.

19. What do customer reviews say?

Lifetime Pet cover have received 56 reviews on trust pilot with an average rating of 3.9/5 and 138 reviews on Feefo, with an average rating of 4.7/5.

With the odd exception many customers reviewed, were extremely satisfied with Lifetime Pet covers claims settlement, with the most negative reviews about increase in premiums at renewal. Unfortunately as your pet gets older, premiums will increase.

20. Are there any administration charges?

There are no administration charges.

21. Are there any special discounts or promotions?

There are currently no special discounts or promotions.

22. Overall Summary

Lifetime Pet cover offer a choice of lifetime policies and whilst this is the best type of cover for your pet, the rest of the policy is relatively basic. There is no cover for hire and reward, theft or straying, holiday cancellation or emergency boarding fees. This of course makes the premium cheaper and if you are not bothered about these areas, then this may be the policy for you.

Lifetime Pet customers appear to be more than satisfied with the service when it comes to settling claims.

There are quite a few breeds that Lifetime Pet won't cover, so make sure you check this carefully and read the policy document, so that you understand what is and isn't going to be covered.

Lifetime Pet Cover's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on lifetime-pet-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.

Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.

Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.

Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.

The scores have been calculated as an overall percentage and shown on the three gauges. You can see how Lifetime compares to the industry average. The higher the percentage the better the company performs in each area.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for Lifetime Policies

We've highlighted Pro's and Cons for Lifetime, click on the white bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by Lifetime Pet Cover.

  • Dental cover up to the vet fees limit
  • Pre-existing medical condition wording.
  • No upper age limit on pet quotes
  • Excludes the cost of prescription food
  • Excludes cover for Euthanasia
  • No Theft or straying cover
  • No Hire and Reward Cover

What Cover do Lifetime policies offer.

We've listed below cover levels for policies offered by offered by To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Lifetime £4000

    Dog

    Lifetime £2000

    Dog

    Lifetime £3000

    Dog

    Lifetime £4000

    Cat

    Lifetime £3000

    Cat

    Lifetime £2000

    Cat

Primary Cover toggle

  • Policy Excess
    Policy Excess

    95

    95

    95

    95

    95

    95

  • Accident Only
    Accident Only Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Per Condition Time Limited
    Per Condition Time Limited Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Maximum Benefit Time Limited
    Maximum Benefit Time Limited Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Maximum Benefit Per Condition
    Maximum Benefit Per Condition Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Lifetime Per Condition
    Lifetime Per Condition Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Lifetime Maximum Benefit
    Lifetime Maximum Benefit Explanation
    Cover Type Icon

    4,000

    2,000

    3,000

    4,000

    3,000

    2,000

  • Dental
    Dental Explanation
    Cover Type Icon

    4,000

    2,000

    3,000

    4,000

    3,000

    2,000

  • Death from Accident
    Death from Accident Explanation
    Cover Type Icon

    500

    500

    500

    100

    100

    100

  • Death from Illness
    Death from Illness Explanation
    Cover Type Icon

    500

    500

    500

    100

    100

    100

  • Theft or Straying
    Theft or Straying Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Advertising and Reward
    Advertising and Reward Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Third Party Liability
    Third Party Liability Explanation
    Cover Type Icon

    1,000,000

    1,000,000

    1,000,000

    0

    0

    0

  • Third Party Liability Excess
    Third Party Liability Excess Explanation
    Cover Type Icon

    250

    250

    250

    0

    0

    0

  • Cruciate Ligament Rupture
    Cruciate Ligament Rupture Explanation
    Cover Type Icon

    4,000

    2,000

    3,000

    4,000

    3,000

    2,000

  • CT/MRI Scans
    CT/MRI Scans Explanation
    Cover Type Icon

    4,000

    2,000

    3,000

    4,000

    3,000

    2,000

  • Euthanasia
    Euthanasia Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Complimentary Treatment
    Complimentary Treatment Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

  • Prescribed Food
    Prescribed Food Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Emergency Boarding Fees
    Emergency Boarding Fees Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Holiday Cancellation
    Holiday Cancellation Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Emergency Repatriation
    Emergency Repatriation Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Quarantine Expenses
    Quarantine Expenses Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Emergency Vet Expenses
    Emergency Vet Expenses Explanation
    Cover Type Icon

    4,000

    2,000

    3,000

    4,000

    3,000

    2,000

  • Loss of Pet Passport
    Loss of Pet Passport Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Accidental Damage to Property
    Accidental Damage to Property Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Personal Accident (Pets)
    Personal Accident (Pets) Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Cremation
    Cremation Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Sample Quotes from Lifetime Pet Cover.

Listed below are some Sample Quotes offered by Lifetime Pet Cover

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 10

Breed: Medium

Group: Mongrel

Lifetime Travel Insurance Review
Product Rating

Experience Rating

Lifetime £3000

95

Lifetime Maximum Benefit 3,000

Complimentary Treatment 1,000

Dental 3,000

Death from Accident 500

Death from Illness 500

Theft or Straying 0

Advertising and Reward 0

Third Party Liability 1,000,000

1401.24

Full Details

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 1

Breed: Medium

Group: Mongrel

Lifetime Travel Insurance Review
Product Rating

Experience Rating

Lifetime £4000

95

Lifetime Maximum Benefit 4,000

Complimentary Treatment 1,000

Dental 4,000

Death from Accident 500

Death from Illness 500

Theft or Straying 0

Advertising and Reward 0

Third Party Liability 1,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 6

Breed: Medium

Group: Mongrel

Lifetime Travel Insurance Review
Product Rating

Experience Rating

Lifetime £3000

95

Lifetime Maximum Benefit 3,000

Complimentary Treatment 1,000

Dental 3,000

Death from Accident 500

Death from Illness 500

Theft or Straying 0

Advertising and Reward 0

Third Party Liability 1,000,000

Type:Cat

Cover:Lifetime Maximum Benefit

Age: 6

Breed: Moggie

Group: Moggie

Lifetime Travel Insurance Review
Product Rating

Experience Rating

Lifetime £3000

95

Lifetime Maximum Benefit 3,000

Complimentary Treatment 1,000

Dental 3,000

Death from Accident 100

Death from Illness 100

Theft or Straying 0

Advertising and Reward 0

Type:Cat

Cover:Lifetime Maximum Benefit

Age: 10

Breed: Moggie

Group: Moggie

Lifetime Travel Insurance Review
Product Rating

Experience Rating

Lifetime £2000

95

Lifetime Maximum Benefit 2,000

Complimentary Treatment 1,000

Dental 2,000

Death from Accident 100

Death from Illness 100

Theft or Straying 0

Advertising and Reward 0

Type:Cat

Cover:Lifetime Maximum Benefit

Age: 6

Breed: Moggie

Group: Moggie

Lifetime Travel Insurance Review
Product Rating

Experience Rating

Lifetime £2000

95

Lifetime Maximum Benefit 2,000

Complimentary Treatment 1,000

Dental 2,000

Death from Accident 100

Death from Illness 100

Theft or Straying 0

Advertising and Reward 0