Is lifetime pet insurance worth it?

It depends on you and your circumstances. Lifetime cover keeps paying for ongoing conditions year after year, provided you renew without a break, which helps to protect your pet through to adulthood. For this reason, lots of pet parents find that lifetime pet insurance cover gives them more peace of mind than other types of pet insurance.

Are there age limits on lifetime pet insurance cover?

At ManyPets, we don't put any upper age limits on our plans. But if you purchase a new plan with us and your pet's over seven, you'll need to pay a 20% co-payment on any claims you make. For existing customers, you'll need to pay a 20% co-payment for claims following the first renewal after your pet turns seven. Our co-payment and excess guide explains more about how this works.

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

Your price may be influenced by a number of factors, including:

Why is lifetime pet insurance more expensive?

Your vet fee limit refreshes at each renewal, so you'll be able to keep claiming for ongoing and new conditions. As always, this is subject to your plan's terms and conditions.

What don't you cover with lifetime pet insurance?

Like with any pet insurance provider, there things we don't cover. Here are a few of them: For a full list of everything we don't cover, read your handbook .

Lifetime pet insurance

Name: Lifetime pet insurance
Brand: ManyPets
Rating: 4.6 (20657 reviews)

We only do lifetime pet insurance

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Understanding lifetime pet insurance

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Things to consider before getting lifetime pet insurance

Your pet’s age

Pre-existing conditions

How much you want to spend

Things to consider before getting lifetime pet insurance

What are the different types of pet insurance?

Our lifetime pet insurance plans

	Complete Care	Standard Care	Standard Care Pre-existing	Essential Care
Plan details
Vet fee cover up to	£15,000 or £20,000	£7,000 or £10,000	£7,000	£3,000 or £5,000
Pre-existing conditions cover
Excess	Once per year (not per condition, like many other insurers)	Once per year (not per condition, like many other insurers)	Once per year (not per condition, like many other insurers)	Once per year (not per condition, like many other insurers)
CT/MRI scan and cruciate ligament surgery				£1,000
Dental illness & accident				Accidents only (Up to £1,000)
Complications from routine treatment
Emergency boarding	£1,000	£1,000	£1,000	£1,000
Death of your pet	£6,000	£1,500	£1,500	£500
Missing or stolen (including advertising)	£6,000	£1,500	£1,500	£500 (excluding replacement costs)
Behaviour treatment