Are there age limits on lifetime pet insurance cover?

At ManyPets, we don't put any upper age limits on our plans. However, if you purchase a new plan with us once your pet is over seven, you'll need to pay a 20% co-payment on any claim you make. If you already have a plan with us, once your pet turns seven their excess will be a minimum of £69, unless you already have an excess of £69 or above, in which case it'll stay the same.

Will the price go up as my dog or cat gets older?

Lifetime pet insurance doesn’t mean the price is fixed for the life of your pet. But we’re determined to provide exceptional cover at a fair price. Insurance premiums can change each year, and they’re likely to increase when your pet gets older. Pets are more likely to need vet treatment as they age, so the price of your insurance reflects this.

Why is lifetime pet insurance more expensive?

Lifetime pet insurance can be more expensive than time-limited plans because you can keep on claiming for the same condition year after year. And your vet fee limit refreshes at each renewal, so you’ll be able to keep seeing the vet for ongoing and new conditions. A time-limited plan might be cheaper, but each condition gets excluded 12 months after it first showed symptoms or when you made the claim - so it’s not so good for long-term health problems.

What happens if I cancel my cover?

You can cancel your ManyPets pet insurance at any time at no cost. However, if you’ve made a claim on your plan and you want to cancel then the full premium for the year will become due. If you’re switching, remember to check how any conditions you’ve claimed for with us will be handled by your new provider. They'll often be excluded from cover because a new company will class them as pre-existing conditions. Similarly, if you chose to return to us you would be classed as a new customer. The good news is, if you switch to us from another provider we can cover pre-existing conditions that ended more than two years before your policy start date, and our Standard Care Pre-existing plan can cover more recent ones. If you’ve made a claim on your plan and you want to cancel, then the full premium for the year will become due.

How does my excess work with lifetime cover?

Most of our plans have an excess, which is an amount you contribute towards the cost of claims. We charge just one excess each policy year per pet. So even if you need to claim multiple times in one policy year, you’ll only pay one excess amount.

What’s a co-payment?

Co-payments are a fixed percentage you will pay for your pet's treatment. We calculate this percentage from your vet bill minus the excess. When your pet is under seven, you can choose to pay a 10% or 20% co-payment to lower your insurance price. But you must agree to a 20% co-payment when your pet is seven or over at renewal. You can learn more about co-payments on our explainer page .

Is lifetime pet insurance worth the cost?

Whether pet insurance is worth it or not will depend on your personal circumstances but we believe a plan with an annual limit is good value. Because our cover limit renews every year, it’ll cover ongoing problems your pet develops as well as short-term illness, so it’ll cover vet fees now and in years to come. We believe that peace of mind is worth it, which is why we only offer plans with an annual limit.