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Claim vet fees each year for the lifetime of your cover, up to policy limits
Your furry friends mean the world to you, they’re family. That’s why you’ll want to do anything you can to protect and take care of them when they’re under the weather. Should your pet suffer an injury or develop an illness, it helps to have Lifetime Pet Insurance on your side. Healthy Pets are here to try and help you find a Pet Insurance policy that suits your needs, and your four-legged companion.
Why might I consider Lifetime Pet Insurance?
Pets love to play and explore, it’s in their nature. Sometimes, their curiosity gets the better of them, and that’s when accidents can happen. You can’t watch their every move, but you can take out Lifetime Pet Insurance to find some peace of mind.
Lifetime Pet Insurance enables you to claim for vet fees each year for the lifetime of your cover, subject to yearly policy limits. You can claim year after year for the same condition up to your annual policy limit, so long as your insurance is in place and there have been no lapses in cover. Having a Lifetime Pet Insurance policy gives you the space and time to concentrate on helping your pet get back on their paws.
Why consider Healthy Pets for your Lifetime Pet Insurance?
- Choose a tier of cover that’s suitable for you and your pet
- If mutually agreed by you and your vet, the insurer will pay for treatment direct. Subject to the policyholder paying their excess (and any applicable co-insurance fee) to the vets
- Cover on offer for vet fees, legal fees and emergency boarding, including several illnesses and injuries for as long as your Lifetime policy is in place. Limits apply
- Healthy Pets have over 1,900 5* reviews across all products on Trustpilot as of December 2023.
- Follow our Facebook, Instagram and X pages to connect with fellow pet lovers
What does Lifetime Pet Insurance offer?
Depending on your level of cover, a Lifetime Pet policy could include:
Vet fees – If your pet accidentally harms themselves or picks up an illness, your policy will cover the costs up to your agreed cover limit.
Complementary treatments - Vet fees also cover various complementary treatments which range from osteopathy to physiotherapy and hydrotherapy.
Emergency boarding – Lifetime Pet Insurance covers licenced boarding, catteries or kennels up to £1,000 if anyone living in your household is unpredictably admitted to hospital for four or more consecutive days.
Food prescribed by the vet – If your pet is placed on a particular diet by your vet, your cover will put up to £100 towards prescribed food.
Third party liability (dogs only) – If your dog was to harm another dog, hurt a person, or damage another person’s property, your policy would cover you for up to £1,000,000.
Accidental damage - If your dog causes minor damage to another person’s property, Lifetime Pet Insurance through Healthy Pets may help to pay for repairs or replacement up to £100. Dog Insurance only.
Cover if your pet is lost or stolen - If your pet is taken or goes missing, up to £1,000 of cover will be provided for advertising or reward costs for their safe return.
Cover if your pet passes away due to accident or illness - If your vet elects to put your pet to sleep, or they pass on as a result of an accident or illness, you’ll be paid either the purchase price of your pet, or up to £1,000 – whichever is less. Subject to the purchase price you provide and a receipt of purchase. Paid for dogs aged 9 or below and cats aged 11 years and below.
Cover for UK and EU travel - If your holiday has to be cancelled or delayed because of your pet having a life-threatening injury or illness, your insurer will contribute up to £2,000. Treatment for an injury or illness in the EU will also be covered.
Lifetime Extra Cover Level: £2,000
| Feature/benefit | £2,000 Lifetime Extra |
| Vet fees | £2,000 |
| MRI / CT scans* | £875 |
| Cruciate ligament* | £1,000 |
Dental Treatment* (Dental cover basis) | £2,000 |
| Accident & Injury | |
| Complementary Treatments* | £500 |
| Acupuncture | |
| Physiotherapy | |
| Hydrotherapy | |
| Osteopathy | |
| Chiropractic | |
| Behavioural problems* | Restricted |
| Food prescribed by a vet* | £100 |
| Advanced treatments (Stem cell treatment, gene therapy, transplant surgery with necessary pre- and post-operative care, and prosthesis | |
| Hereditary conditions | |
| Congenital conditions | Restricted |
| Max fees per condition | £1,000 |
| Time limit | No limit |
| Max fees per condition for lifetime of pet | Unlimited |
| Total vet fees for life of pet | Unlimited |
| Third Party Liability | ||
| Dog Liability - Personal | £1,000,000 | |
| Dog Liability - Property | £1,000,000 | |
| Accidental Damage | ||
| Accidental Damage - 3rd Party Property | ||
| Cover if your pet is lost or stolen | ||
| Advertising & Reward | £500 | |
| Covering the purchase price of your pet if not found within 45 days | £500 | |
| Excess | £0 | |
| Cover if your pet passes away due to accident or illness | ||
| Death By Accident (no max age) | £500 | |
| Maximum age for dogs & cats | No max | |
| Death By Illness | £500 | |
| Maximum age for dogs & cats | 9 years (dogs); 11 years (cats) | |
| Pet Value Basis | Purchase price/Market value | |
| Excess | £0 | |
| Emergency boarding when you're ill | ||
| Pet minding & Boarding fees | £500 | |
| Excess | £0 | |
| Travelling* (UK & EU) | ||
| Cancellation, rebooking, cutting your trip short or extending your trip (including additional accommodation up to 14 nights and quarantine kennelling), up to | £500 | |
| Additional Accommodation – maximum amount per night | ||
| Maximum length of trip abroad | up to 30 days per year (for vet fee cover) | |
*Included in the overall vet fee limit. Maximum limits shown. Other features, benefits and limitations exist. Please contact us for details.
| Excesses (These change dependent on your pets age and are payable each year for recurring conditions) | ||
| Excess starting at £99 | £125 | |
Compulsory Co-insurance % Information on co-insurance is available in the FAQ section of this page | 15 / 20% | |
Age for cats when co-insurance applies Age for dogs when co-insurance applies | 15% -5 years; 20% - 6 years 15% -5 years; 20% - 6 years | |
Excess (All liability claims) | £250 | |
| Exclusion Periods | |
| Initial Exclusion Period - Accidents | 2 days |
Initial Exclusion Period - Illness | 10 days |
Minimum Pet Age for New Customers | 5 weeks |
Maximum Pet Age for New Customers | Dogs - 11 years Cats - 13 years |
Lifetime Premier Cover Level: £4,250
| Feature/benefit | £4,250 Lifetime Premier |
| Vet fees | £4,250 |
| MRI / CT scans* | £1,875 |
| Cruciate ligament* | £1,500 |
Dental Treatment* (Dental cover basis) | £4,250 |
| Accident & Injury | |
| Complementary Treatments* | £750 |
| Acupuncture | |
| Physiotherapy | |
| Hydrotherapy | |
| Osteopathy | |
| Chiropractic | |
| Behavioural problems* | Restricted |
| Food prescribed by a vet* | £100 |
| Advanced treatments (Stem cell treatment, gene therapy, transplant surgery with necessary pre- and post-operative care, and prosthesis | |
| Hereditary conditions | |
| Congenital conditions | Restricted |
| Max fees per condition | £3,250 |
| Time limit | No limit |
| Max fees per condition for lifetime of pet | Unlimited |
| Total vet fees for life of pet | Unlimited |
| Third Party Liability | ||
| Dog Liability - Personal | £1,000,000 | |
| Dog Liability - Property | £1,000,000 | |
| Accidental Damage | ||
| Accidental Damage - 3rd Party Property | £100 | |
| Cover if your pet is lost or stolen | ||
| Advertising & Reward | £1,000 | |
| Covering the purchase price of your pet if not found within 45 days | £1,000 | |
| Excess | £0 | |
| Cover if your pet passes away due to accident or illness | ||
| Death By Accident (no max age) | £1,000 | |
| Maximum age for dogs & cats | No max | |
| Death By Illness | £1,000 | |
| Maximum age for dogs & cats | 9 years (dogs); 11 years (cats) | |
| Pet Value Basis | Purchase price/Market value | |
| Excess | £0 | |
| Emergency boarding when you're ill | ||
| Pet minding & Boarding fees | £1,000 | |
| Excess | £0 | |
| Travelling* (UK & EU) | ||
| Cancellation, rebooking, cutting your trip short or extending your trip (including additional accommodation up to 14 nights and quarantine kennelling), up to | £2,000 | |
| Additional Accommodation – maximum amount per night | ||
| Maximum length of trip abroad | up to 30 days per year (for vet fee cover) | |
*Included in the overall vet fee limit. Maximum limits shown. Other features, benefits and limitations exist. Please contact us for details.
| Excesses (These change dependent on your pets age and are payable each year for recurring conditions) | ||
| Excess starting at £99 | £125 | |
Compulsory Co-insurance % Information on co-insurance is available in the FAQ section of this page | 15 / 20% | |
Age for cats when co-insurance applies Age for dogs when co-insurance applies | 15% -5 years; 20% - 6 years 15% -5 years; 20% - 6 years | |
Excess (All liability claims) | £250 | |
| Exclusion Periods | |
| Initial Exclusion Period - Accidents | 2 days |
Initial Exclusion Period - Illness | 10 days |
Minimum Pet Age for New Customers | 5 weeks |
Maximum Pet Age for New Customers | Dogs - 11 years Cats - 13 years |
FAQs about Lifetime Pet Insurance through Healthy Pets
Healthy Pets provide insurance for cats and dogs aged 5 weeks old or above. New policies can insure cats up to 13 years old and dogs up to 13 years old.
At this time Healthy Pets don’t offer cover for rabbits, horses or other pets. If your pet has a pre-existing medical condition, they can only be insured for future injuries or accidents – existing health conditions won’t be covered. You have to be a UK resident to take out Pet Insurance through Healthy Pets.
Please refer to our FAQs page for a list of breeds we won’t be able to cover.
Lifetime Pet Insurance premiums depend on the tier of cover you pick. Various other factors will also be taken into account, including the age of your pets and your address. Higher tiers of cover will give rise to a higher premium; however, if your pet needs extensive treatment, you’ll have further protection available. Costs may also differ between veterinary surgeries and depend on the breed of your pet. All of these things together will have bearing on the amount you’ll be able to claim for a medical condition or illness.
You do not need to have Pet Insurance by law. That said, vet bills can quickly add up for those without a policy. That’s why you may like to consider taking out Pet Insurance. It could help towards fees if your pet is involved in an accident or picks up an illness.
Usually, your insurance provider will pay the vet directly; this is subject to the excess fee being paid to the vet by the policyholder. If, however, you have already paid the invoice, they will re-imburse you.
There are many reasons why your premiums could rise over time. These might include:
- Pets getting older
- Their claims history
- The cost of veterinary treatments rising due to complexity
- The cost of living increasing and causing vet fees to rise in your area
Yes, please check your policy schedule for the fixed excess and co-insurance (where applicable) that applies to your pet. You can find out more about co-insurance in the answer to the next question.
The fixed excess is the amount you must pay towards treatment for each condition in a policy year when you make a claim. Your insurer will cover the remaining cost of the claim or any other eligible claims for the same condition during that policy period, up to your cover limit. If your pet is treated for the same illness or injury in separate policy periods, the excess will be applied to the first claim in each policy period.
Once your pet reaches a certain age, co-insurance payments will come into effect on your Pet Insurance policy. Check your policy wording each year for details.
Paid alongside your compulsory fixed excess, the mandatory co-insurance payment is an amount you will put towards the cost of your insurance claim. Your co-payment amount may change at renewal, so please make sure to check your schedule for the latest figure when the policy renews, and also if you need to make a claim.
Some policies allow you to include co-insurance from birth if you wish, and others let you choose a different excess. Once co-insurance is added to your cover, it will remain for the duration of the policy.
So, how does it work?
- You put in a claim for £499 to treat your 6-year-old dog for a new condition
- If you have a Maximum Benefit policy you’ll pay a fixed excess of £125, leaving a vet bill of £374
- You then pay a co-insurance of 20% from the vet bill after the fixed excess has been deducted of £74.80
- This means your insurer pays the outstanding balance of £299.20
- In total, you pay £199.80 (fixed excess plus 20% co-insurance payment)
The idea of adding compulsory co-insurance payments to your Pet Insurance policy is to try and help keep premiums lower.
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