Lifetime dog insurance Lifetime dog insurance Lifetime dog insurance

Lifetime dog insurance

Ongoing cover for vet fees from accidents, illnesses and conditions

What this insurance policy covers

The most complete type of dog insurance available, Lifetime policies offer ongoing cover against accidents, illnesses and conditions for an unlimited amount of time – the cover can continue indefinitely as long as your policy is renewed each year.

Each condition has an annual limit, but when you renew your policy the condition limit starts again.Learn More >

Lifetime cover amounts

How much cover do I need?
See typical treatment costs for dogs

Cover type
Annual condition
limit
Lifetime condition
limit
Annual policy
limit
Vet excess
Annual condition limit£1,000
Lifetime condition limitUnlimited
Annual policy limitUnlimited

Additional Benefits

Public Liability
£1.50m
Death of Pet
£500
Holiday Cancellation
£1,000
Theft & Straying
£500
Transport Costs
Personal Accident
Insurance Product Information Document
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£500
Overseas Travel Cover
£1,500
Dog Walker
£100
Insurance Product Information Document
Annual condition limit£2,000
Lifetime condition limitUnlimited
Annual policy limitUnlimited

Additional Benefits

Public Liability
£1.50m
Death of Pet
£750
Holiday Cancellation
£1,000
Theft & Straying
£750
Transport Costs
Personal Accident
Insurance Product Information Document
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£750
Overseas Travel Cover
£2,000
Dog Walker
£100
Insurance Product Information Document
Superior Plus
Annual condition limit£4,000
Lifetime condition limitUnlimited
Annual policy limitUnlimited

Additional Benefits

Public Liability
£1.75m
Death of Pet
£1,000
Holiday Cancellation
£1,500
Theft & Straying
£1,000
Transport Costs
Personal Accident
Insurance Product Information Document
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£1,000
Overseas Travel Cover
£2,000
Dog Walker
£100
Insurance Product Information Document
Annual condition limit£6,000
Lifetime condition limitUnlimited
Annual policy limitUnlimited

Additional Benefits

Public Liability
£2.00m
Death of Pet
£1,500
Holiday Cancellation
£2,500
Theft & Straying
£1,500
Transport Costs
£200
Personal Accident
£200
Insurance Product Information Document
Accidental Damage
£750
Advertising & Reward
£1,000
Boarding Kennel / Cattery
£1,500
Overseas Travel Cover
£2,000
Dog Walker
£100
Insurance Product Information Document

What is Lifetime

Cover details

Our Lifetime policies are our most comprehensive policies, providing our highest level of cover against any accident, illness or condition – giving a defined level of cover per condition, per year, every year the policy is active.

The annual cover limit for each condition refreshes every year the policy is renewed, providing ongoing protection for your dog against lifelong illnesses or conditions.

Please remember, as with any pet insurance policy, pre-existing conditions may no longer be covered if you change your cover or take your policy to another provider.

So, if your dog was to develop a skin condition, treatment relating to this would be covered year after year as your dog gets older, as long as your policy is active – making the Lifetime policy so different to our Time Limited and Max Benefit policies.

Cover levels

Our 4 Lifetime policies range from £1,000 per condition, per year, up to £6,000 per condition, per year.

  • Super
  • Superior
  • Superior Plus
  • Prestige

Our flagship Lifetime cover level, the Prestige plan, offers three extra benefits not present on the other plans.

  • Transport Costs
  • Personal Accident
  • Accidental Damage

This gives the Prestige plan significantly more cover than any other insurance policy we offer.

Our Lifetime policies offer extra benefits for our customers. The benefit levels depend on the cover selected.

So, as well as providing lifetime cover for your dog you’ll also have a peace of mind just in case of life’s other mishaps.

  • Public Liability
  • Theft & Straying
  • Advertising & Reward
  • Boarding Kennel
  • Death of Pet cover
  • Overseas Travel Cover
  • Holiday Cancellation
  • Dog Walker

Download the complete guide

Full policy summaries including what's covered, what's not covered, policy limits and policy wording definitions.

How much cover do I need?

Vet fees vary from practice to practice, so to give you an idea of what to expect here’s a list of Animal Friends’ average vet fee claims for some of the most common dog treatments.

The below table shows the average cost of vet fees claims per condition submitted to Animal Friends Insurance in 2018. To make this information more specific to your dog we’ve grouped dogs into sizes, ranging from Miniature to Giant. This is based on the top 10 breeds insured with us per size group, and the 15 most common conditions claimed for by our customers, for each size, in 2018.

Please review the information you feel is most relevant to the size of your dog. It's important to consider that vet fees can vary based on your location, the age of your pet, and the severity of the condition.

Miniature dogs
Up to 5kg

Condition
Cruciate ligament damage
Luxating Patella
Diabetes
Eye Condition
Foreign Body
Eye Ulcer
Lameness
Seizures
Vomiting
Gastroenteritis
Heart Disease
Tumour
Skin Disease
Toxic Ingestion
Otitis
Average cost
£1,615.43
£1,492.58
£1,202.02
£996.52
£933.94
£933.68
£889.18
£825.34
£749.58
£738.64
£733.54
£679.89
£524.43
£517.26
£437.74
Condition
Cruciate ligament damage
Diabetes
Pancreatitis
Hepatitis
Lameness
Heart Disease
Foreign Body
Gastroenteritis
Vomiting
Eye Ulcer
Tumour
Skin Disease
Toxic Ingestion
Anal Gland Infection
Otitis
Average cost
£1,580.56
£1,190.31
£1,022.13
£946.96
£807.33
£781.11
£781.04
£721.61
£717.19
£694.18
£689.57
£520.76
£483.49
£427.79
£421.40
Condition
Cruciate ligament damage
Pancreatitis
Mast Cell Tumour
Foreign Body
Lameness
Seizures
Vomiting
Gastroenteritis
Tumour
Skin Disease
Osteoarthritis
Lipoma
Toxic Ingestion
Otitis
Wound
Average cost
£1,937.37
£1,035.93
£1,016.24
£989.05
£895.29
£842.77
£792.41
£749.30
£747.34
£647.59
£529.56
£523.27
£509.02
£479.76
£474.25
Condition
Cruciate ligament damage
Foreign Body
Mast Cell Tumour
Lameness
Tumour
Vomiting
Gastroenteritis
Skin Disease
Eye Ulcer
Diarrhoea
Osteoarthritis
Lipoma
Toxic Ingestion
Wound
Otitis
Average cost
£2,281.71
£1,201.83
£1,155.58
£1,009.64
£853.17
£804
£766.36
£690.04
£658.02
£632.87
£596.25
£570.64
£549
£511.61
£466.89
Condition
Cruciate ligament damage
Lymphoma
Cardiomyopathy
Heart Disease
Osteosarcoma
Lameness
Hip Dysplasia
Gastroenteritis
Tumour
Vomiting
Skin Disease
Wound
Osteoarthritis
Diarrhoea
Otitis
Average cost
£2,521.34
£1,777.93
£1,538.37
£1,527.13
£1,304.40
£1,265.75
£1,217.63
£1,010.22
£996.65
£916.49
£845.56
£824.34
£788.83
£676.58
£653.23

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