What our Lifetime policies cover
Lifetime insurance offers ongoing vet fee cover for accidents and illnesses and can protect your dog for life, as long as you renew.
There are two types of cover available.
1. Annual Policy Limit
- You can choose cover from £1,000 to £18,000 each year for vet fees.
- You can claim for as many conditions as you need to, as long as you stay within your chosen annual vet fee limit.
- The limit resets every year when you renew.
- Your dog’s conditions will be covered for life, as long as you renew your policy.
- Dental accident & dental illness cover up to £3,000 with our Lifetime £10,000 and Lifetime £18,000 policies and up to £1,000 with our Lifetime £4,000 and Lifetime £5,000 policies.
- Dental accident cover up to £750 with our Lifetime £2,000 and Lifetime £3,000 policies.
- Complementary therapy from £500 to £3,000, depending on your chosen policy.
2. Annual Condition Limit
- You can choose cover of £1,000, £2,000, £4,000 or £6,000 each year for vet fees.
- You can claim up to your chosen amount for vet fees per policy year for each condition your dog might have.
- The limit resets every year when you renew.
- Your dog’s conditions are covered for life, as long as you renew your policy.
- Dental accident cover up to £750 with our Superior policy.
- Dental accident & dental illness cover up to £1,000 with our Superior Plus and Prestige policies.
- Complementary therapy from £500 to £1,000, depending on your chosen policy.
Policy terms and conditions apply.
Free 24/7 vet video consultations
for your dog
Over 25 years as pet
insurance experts
Your vet can claim online
on your behalf
9/10 online vet fee
claims processed within
4 working days*
*90.77% of Pawtal claims were processed within 4 working days. Claims received July 2024 - June 2025.




