Lifetime dog insurance
Cover for accidents and illnesses for the lifetime of your pet so long as your renew your policy.
What our Lifetime policies cover
Lifetime policies cover long-term, chronic or recurring conditions, as well as short term illness and injury.
As long as the policy is renewed each year without a break, we will continue to provide cover for conditions such as diabetes or arthritis which require treatment over a long period of time.
1. Annual policy limit for all claims. You can choose a policy that covers vet bills up to a total amount each year. Our products offer a range of cover from £1,000 to £18,000 per year. Once the limit is reached, you’ll not be able to claim anymore, until the policy renews and the amount becomes available again. Find out more below.
2. Annual condition limit. You can choose a policy that covers each different condition (or illness), up to either £1,000, £2,000, £4,000 or £6,000 each year. Once the limit for a condition is reached you’ll not be able to claim for that condition, until the policy renews and the amount becomes available for that condition again. However, you can still make a claim for any other conditions. Find out more below.
Would you like to know more?
Read through our policy documents for more information.
Already an existing customer?
Please refer to the policy documents we sent you when you took out or renewed your policy. You can Login to your online account to view these.
Did you know...
All our dog policies give you free vet video consults 24/7/365 through the Joii app.
Annual policy limit for all claims
We’ll pay vet’s fees up to your chosen annual cover amount in one policy year. This means that you have an annual limit and each payable claim submitted will be deducted from this total.
There is no limit to the number of claims you can submit and you can submit claims until the annual limit has been reached.
Once you reach your annual limit in that policy year, you’ll not be able to make any more claims until you renew your policy and the amount becomes available again. This means that some chronic conditions, like epilepsy, can be covered year after year.
For example...
If you chose an annual limit of £3,000 and your dog was to develop a skin condition and suffered damage to their paw, we would cover the cost of treatment up to £3,000 in one year (subject to any applicable excess or co-payment). When you renew your policy the annual policy limit is reset and you'll be covered up to £3,000 again, should you need it.
Amount of cover
Select a policy below to see all cover limits, excess and additional benefits. Not sure how much cover you need? Find out the cost of vet fees.
Vet fee benefit
- £1,000 – this is the most you can claim per policy year for all accidents or illnesses
- Included within your vet fee benefit limit
- £500 for complementary treatment
Vet fee excess options: £69, £99, £159, £199 and £249
Co-payment: 20% of each vet fee claim once your dog reaches the age of 8
Additional benefits
We cover up to the amounts shown below:
| If your dog injures someone or damages their property. | £2m | If your dog causes accidental damage in someone else's home. | x |
| If your dog dies or is put to sleep. | £600 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your dog needs urgent medical care. | £1,000 | If you can’t look after your dog because you’re in hospital. | £600 |
| If your dog goes missing or is stolen. | £600 | If your dog needs urgent medical care abroad. | £2,000 |
| Transport costs if your dog needs treatment at another vet or hospital. | x | A dog walker because you're in hospital. | £100 |
| Cremation or burial | x |
Vet fee benefit
- £2,000 – this is the most you can claim per policy year for all accidents or illnesses
- Included within your vet fee benefit limit
- £750 for dental accidents
- £750 for complementary treatment
Vet fee excess options: £69, £99, £159, £199 and £249
Co-payment: 20% of each vet fee claim once your dog reaches the age of 8
Additional benefits
We cover up to the amounts shown below:
| If your dog injures someone or damages their property. | £2m | If your dog causes accidental damage in someone else's home. | x |
| If your dog dies or is put to sleep. | £600 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your dog needs urgent medical care. | £1,000 | If you can’t look after your dog because you’re in hospital. | £600 |
| If your dog goes missing or is stolen. | £600 | If your dog needs urgent medical care abroad. | £2,000 |
| Transport costs if your dog needs treatment at another vet or hospital. | x | A dog walker because you're in hospital. | £100 |
| Cremation or burial | x |
Vet fee benefit
- £3,000 – this is the most you can claim per policy year for all accidents or illnesses
- Included within your vet fee benefit limit
- £750 for dental accidents
- £750 for complementary treatment
Vet fee excess options: £69, £99, £159, £199 and £249
Co-payment: 20% of each vet fee claim once your dog reaches the age of 8
Additional benefits
We cover up to the amounts shown below:
| If your dog injures someone or damages their property. | £2m | If your dog causes accidental damage in someone else's home. | x |
| If your dog dies or is put to sleep. | £600 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your dog needs urgent medical care. | £1,000 | If you can’t look after your dog because you’re in hospital. | £600 |
| If your dog goes missing or is stolen. | £600 | If your dog needs urgent medical care abroad. | £2,000 |
| Transport costs if your dog needs treatment at another vet or hospital. | x | A dog walker because you're in hospital. | £100 |
| Cremation or burial | x |
Vet fee benefit
- £4,000 – this is the most you can claim per policy year for all accidents or illnesses
- Included within your vet fee benefit limit
- £1,000 for dental accidents and dental illnesses
- £1,000 for complementary treatment
Vet fee excess options: £69, £99, £159, £199 and £249
Co-payment: 20% of each vet fee claim once your dog reaches the age of 8
Additional benefits
We cover up to the amounts shown below:
| If your dog injures someone or damages their property. | £2m | If your dog causes accidental damage in someone else's home. | x |
| If your dog dies or is put to sleep. | £600 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your dog needs urgent medical care. | £1,000 | If you can’t look after your dog because you’re in hospital. | £600 |
| If your dog goes missing or is stolen. | £600 | If your dog needs urgent medical care abroad. | £2,000 |
| Transport costs if your dog needs treatment at another vet or hospital. | x | A dog walker because you're in hospital. | £100 |
| Cremation or burial | x |
Vet fee benefit
- £5,000 – this is the most you can claim per policy year for all accidents or illnesses
- Included within your vet fee benefit limit
- £1,000 for dental accidents and dental illnesses
- £1,000 for complementary treatment
Vet fee excess options: £69, £99, £159, £199 and £249
Co-payment: 20% of each vet fee claim once your dog reaches the age of 8
Additional benefits
We cover up to the amounts shown below:
| If your dog injures someone or damages their property. | £2m | If your dog causes accidental damage in someone else's home. | x |
| If your dog dies or is put to sleep. | £1,200 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your dog needs urgent medical care. | £2,000 | If you can’t look after your dog because you’re in hospital. | £1,200 |
| If your dog goes missing or is stolen. | £1,200 | If your dog needs urgent medical care abroad. | £2,000 |
| Transport costs if your dog needs treatment at another vet or hospital. | x | A dog walker because you're in hospital. | £100 |
| Cremation or burial | x |
Vet fee benefit
- £10,000 – this is the most you can claim per policy year for all accidents or illnesses
- Included within your vet fee benefit limit
- £3,000 for dental accidents and dental illnesses
- £3,000 for complementary treatment
Vet fee excess options: £69, £99, £159, £199 and £249
Co-payment: 20% of each vet fee claim once your dog reaches the age of 8
Additional benefits
We cover up to the amounts shown below:
| If your pet injures someone or damages their property. | £2m | If your pet causes accidental damage in someone else's home. | x |
| If your pet dies or is put to sleep. | £2,000 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your pet needs urgent medical care. | £2,500 | If you can’t look after your dog because you’re in hospital. | £1,500 |
| If your pet goes missing or is stolen. | £2,000 | If your pet needs urgent medical care abroad. | £2,500 |
| Transport costs if your pet needs treatment at another vet or hospital. | x | A dog walker because you're in hospital. | £100 |
| Cremation or burial | £200 |
Vet fee benefit
- £18,000 – this is the most you can claim per policy year for all accidents or illnesses
- Included within your vet fee benefit limit
- £3,000 for dental accidents and dental illnesses
- £3,000 for complementary treatment
Vet fee excess options: £69, £99, £159, £199 and £249
Co-payment: 20% of each vet fee claim once your dog reaches the age of 8
Additional benefits
We cover up to the amounts shown below:
| If your pet injures someone or damages their property. | £2m | If your pet causes accidental damage in someone else's home. | x |
| If your pet dies or is put to sleep. | £3,000 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your pet needs urgent medical care. | £2,500 | If your pet needs to go into a cattery or kennel because you're in a hospital. | £1,500 |
| If your pet goes missing or is stolen. | £3,000 | If your pet needs urgent medical care abroad. | £2,500 |
| Transport costs if your pet needs treatment at another vet or hospital. | x | A dog walker because you're in hospital. | £100 |
| Cremation or burial | £200 |
Pet insurance premiums increase as your pet gets older. We use a number of things to work out your price each year. These include the age of the pet, where you live and the cost of vet fees. Excesses apply to all our policies and a co-payment is currently payable on claims if you renew your policy after your dog turns 8 years old.
Annual condition limit
You can choose a cover limit to cover each condition (or illness) your pet may suffer. We’ll pay the vet’s fees for each condition, up to your chosen cover limit.
Once a specific condition has reached the limit chosen, that condition will not be covered until the policy renews and the limits become available again for each condition.
This means that some chronic conditions like arthritis, can be covered year after year and does not impact on the amount of cover you have left for any other conditions your pet may suffer from in that policy year.
For example...
If you chose a condition limit of £2,000 and your dog was to develop a skin condition and suffered damage to their paw, we would cover the cost of treatment for the skin condition up to £2,000 and also the damage to their paw, up to £2,000 (subject to any applicable excess or co-payment). When you renew your policy the annual condition limit is reset and you'll be covered for up to £2,000 again for each condition should you need it.
Amount of cover
Select a policy below to see all cover limits, excess and additional benefits. Not sure how much cover you need? Find out the cost of vet fees.
Vet fee benefit
- £1,000 – this is the most you can claim per policy year for each accident or illness
- Included within your vet fee benefit limit
- £500 per condition, per policy year for complementary treatment
Vet fee excess options: £69, £99, £159, £199 and £249
Co-payment: 20% of each vet fee claim once your dog reaches the age of 8
Additional benefits
We cover up to the amounts shown below:
| If your dog injures someone or damages their property. | £2m | If your dog causes accidental damage in someone else's home. | x |
| If your dog dies or is put to sleep. | £500 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your dog needs urgent medical care. | £1,000 | If you can’t look after your dog because you’re in hospital. | £500 |
| If your dog goes missing or is stolen. | £500 | If your dog needs urgent medical care abroad. | £1,500 |
| Transport costs if your dog needs treatment at another vet or hospital. | x | A dog walker or pet minder, because you’re in hospital.. | £100 |
| Cremation or burial | x |
Vet fee benefit
- £2,000 – this is the most you can claim per policy year for each accident or illness
- Included within your vet fee benefit limit
- £750 per condition, per policy year for dental accidents
- £750 per condition, per policy year for complementary treatment
Vet fee excess options: £69, £99, £159, £199 and £249
Co-payment: 20% of each vet fee claim once your dog reaches the age of 8
Additional benefits
We cover up to the amounts shown below:
| If your dog injures someone or damages their property. | £2m | If your dog causes accidental damage in someone else's home. | x |
| If your dog dies or is put to sleep. | £750 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your dog needs urgent medical care. | £1,000 | If you can’t look after your dog because you’re in hospital. | £750 |
| If your dog goes missing or is stolen. | £750 | If your dog needs urgent medical care abroad. | £2,000 |
| Transport costs if your dog needs treatment at another vet or hospital. | x | A dog walker or pet minder, because you’re in hospital. | £100 |
| Cremation or burial | x |
Vet fee benefit
- £4,000 – this is the most you can claim per policy year for each accident or illness
- Included within your vet fee benefit limit
- £1,000 per condition, per policy year for dental accidents
- £1,000 per condition, per policy year for complementary treatment
Vet fee excess options: £69, £99, £159, £199 and £249
Co-payment: 20% of each vet fee claim once your dog reaches the age of 8
Additional benefits
We cover up to the amounts shown below:
| If your dog injures someone or damages their property. | £2m | If your dog causes accidental damage in someone else's home. | x |
| If your dog dies or is put to sleep. | £1,000 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your dog needs urgent medical care. | £1,500 | If you can’t look after your dog because you’re in hospital. | £1,000 |
| If your dog goes missing or is stolen. | £1,000 | If your dog needs urgent medical care abroad. | £2,000 |
| Transport costs if your dog needs treatment at another vet or hospital. | x | A dog walker or pet minder, because you’re in hospital. | £100 |
| Cremation or burial | x |
Vet fee benefit
- £6,000 – this is the most you can claim per policy year for each accident or illness
- Included within your vet fee benefit limit
- £1,000 per condition, per policy year for dental accidents
- £1,000 per condition, per policy year for complementary treatment
Vet fee excess options: £69, £99, £159, £199 and £249
Co-payment: 20% of each vet fee claim once your dog reaches the age of 8
Additional benefits
We cover up to the amounts shown below:
| If your dog injures someone or damages their property. | £2m | If your dog causes accidental damage in someone else's home. | £750 |
| If your dog dies or is put to sleep. | £1,500 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your dog needs urgent medical care. | £2,500 | If you can’t look after your dog because you’re in hospital. | £1,500 |
| If your dog goes missing or is stolen. | £1,500 | If your dog needs urgent medical care abroad. | £2,000 |
| Transport costs if your dog needs treatment at another vet or hospital. | £200 | A dog walker or pet minder, because you’re in hospital. | £100 |
| Cremation or burial | x |
Pet insurance premiums increase as your pet gets older. We use a number of things to work out your price each year. These include the age of the pet, where you live and the cost of vet fees. Excesses apply to all our policies and a co-payment is currently payable on claims if you renew your policy after your dog turns 8 years old.
How much cover do you need?
Our average vet claim was £1068 in 2024.
Knowing how much your dog could cost is important so you’re prepared with the right type of policy and we’re here to help.
*This figure shows the average cost of vet fees claimed for dogs, for the top 15 conditions that were submitted to Animal Friends in 2024.