What is lifetime pet insurance?

Lifetime or repopulating cover policies 

• Intended to provide cover for the lifetime of your pet with the monetary limit, for vet’s fees, refreshing each and every year.
• Provides cover for long-term conditions, such as arthritis and diabetes, to be treated and managed effectively.
• As long as the policy is renewed each year and you pay the premiums, you will be able to claim up to the full monetary limit each year for accidents and illnesses for the rest of your pet’s life.

12 month time-limited policies

• Provides cover up to a certain monetary limit or period of time (whichever comes first) for each separate condition diagnosed.
• The time limit is typically 12 months from when the condition first showed signs or was first treated. Once the monetary or time limit is reached further claims for that condition are excluded.

Per condition cover or maximum benefit policies 

• Provides cover up to a certain monetary limit for each separate condition diagnosed.
• Once you have reached your limit, it’s unlikely you’ll be able to claim again for the same condition, even with another insurer.

Accident only policies 

• Provides cover up to a certain monetary limit or period of time (whichever comes first) for an accidental injury only.
• Claims for illnesses are not covered.