Lifetime pet insurance

We only do lifetime pet insurance

An annual vet fee limit that refreshes each year when you renew.

  • Up to £15,000 of lifetime cover
  • Unlimited, 24/7 video vet calls with FirstVet at no extra cost
  • Cover for conditions free from treatment, medication or advice for two years
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Award-winning insurance

Voted Pet Insurance Provider of the Year in the 2024 Moneyfacts Consumer Awards; Winners of the Feefo Platinum Trusted Service Award 2023; Awarded 5 stars by Fairer Finance 2024.

What is lifetime pet insurance?


We know that your cats and dogs are furry members of the family. They’re your therapy, your mood-boosters, your happiness. So why would we ever want you to risk them running out of cover when they need it?

That’s why we only do lifetime pet insurance here at ManyPets – because it’s the best, most extensive pet insurance there is.

It just means that whatever level of cover you choose, it’ll refresh each year when you renew your policy. You can claim up to your full vet fee limit every year and we’ll keep providing cover for conditions your pet develops during their lifetime.

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So say you have our Complete policy with £15,000 of cover. One year your pet needs treatment that costs £5000 – you claim, pay one excess for the policy year, and have £10,000 left. As long as you renew your policy, your vet fee limit will reset to £15,000 the next year.

And if the same issue flares up again? Because we don’t have condition limits, you’ll be able to continue claiming for that issue, and any related ones, up to your vet fee limit for your pet’s lifetime. All you need to do is keep renewing.

All of our policies are lifetime

No matter how old your pet is, we’ll have a lifetime option that’s right for them.

Cat insurance

Quality cat cover with unlimited, 24/7 video vet calls

Multi-pet insurance

Up to 15% discount when you insure multiple pets

Our lifetime policies offer more than others

Pay monthly at no extra cost to make an annual lifetime policy for your dog or cat more affordable.
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Simple claims

Make your claim online and we’ll do the rest.

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Outstanding lifetime policies

Our Complete policy has £15,000 of vet fee cover, and includes dental illness and theft cover.

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Fair prices

No cancellation fees and one excess per policy year, not per claim.

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No hidden fees

Pay monthly at no extra cost to make an annual lifetime policy for your dog or cat more affordable.

What does our lifetime pet insurance cover?

Depending on the policy you choose, we can cover…

Vet fees

up to an annual limit, with no limits on each condition.


Pre-existing conditions

that haven't shown signs or symptoms, or needed treatment, medication or vet advice for two years. We also have a lifetime Pre-existing policy that can cover conditions that ended less than two years ago, as long as they’ve been free from signs, symptoms, treatment, medication or advice for three months.


Dental treatment

for accidents on all policies as part of your annual vet fee limit. Dental illness is also covered by our Complete policy, as long as your pet’s had a dental check-up within the last twelve months, and you’ve followed any dental treatment recommended by a vet within six months.


Immediate cover

if you switch to us straight from another pet insurance provider you've been with for 12 months or more.


Complementary treatments

like hydrotherapy, up to a limit given in your policy that’s part of your overall vet fee limit.


Behavioural treatment

if referred by a vet as a result of illness or injury, as part of your vet fee limit.

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Legal action

taken against you because of your pet (dogs only).


Advertising and reward costs

if your pet’s lost or stolen included as standard on Complete and as an option for other policies.


Saying goodbye.

A contribution towards the cost of putting your pet to sleep and their cremation or burial if your pet is under nine.

But not everything’s covered by our lifetime pet insurance. We can’t cover:

  • Pre-existing conditions that have shown signs or symptoms, or that your vet has given treatment, medication or advice for in the last two years – unless you choose our Pre-existing policy.

  • Spaying, neutering and vaccinations. We don’t cover routine and preventative treatments, but you need to keep on top of vaccinations and check-ups to keep your insurance valid.

  • Immediate vet fees. You can’t claim for illness in the first two weeks of your policy or accidents in the first 48 hours, unless you’re switching from another provider with no gap in your cover, and you've been with that insurer for 12 months or more.


Want lifetime pet insurance? Here’s some things to consider

Your pet’s age

The good news is, we don’t have any upper age limits on our lifetime pet insurance policies at ManyPets. However, it’s worth bearing in mind that pet insurance policies are more expensive for older dogs and older cats. Their premiums will increase as they age and for pets over nine you’ll need to pay a compulsory excess and 20% of every claim (called a co-payment).

Pre-existing conditions

All of our lifetime policies cover conditions if they’ve been free from signs, symptoms, medication, treatment or advice for two years before your policy begins. For more recent conditions within the last two years, there’s our Pre-existing policy.

How much you want to spend

Lifetime pet insurance is usually the most comprehensive cover you’ll find – especially when there are no fee limits on conditions. This often makes the premiums pricier than other types of pet insurance. It’s important to carefully consider your monthly budget when picking the right lifetime policy for you.


How do I get a lifetime pet insurance quote?

Getting a lifetime pet insurance quote is easy. All you need to tell us is:

  • Your details and address

  • Your pet’s age

  • Your pet’s breed

  • Your pet’s gender

  • Your pet’s name

  • The price you paid for your pet

  • Your pet’s neutered status

Is lifetime pet insurance worth it?

Lots of pet parents find lifetime pet insurance cover gives them more peace of mind than other types of pet insurance because it covers future treatment for conditions, year after year, as long as they keep renewing.

We tend to agree. Pet insurance with an annual limit lets you enjoy your time with your pet without the worry of your cover running out permanently.

However, if you’re shopping around you may find that other pet insurance providers offer more than one type of lifetime policy. Here’s how they compare.

Our lifetime pet insurance

One overall annual vet fee limit that refreshes each year when you renew. You can claim up to this limit every year.

Lifetime with limits per condition

Policies with one overall vet fee limit, plus a separate lower limit that caps how much you can claim for each condition.

Time-limited policies

Policies that allow you to claim for each condition for just 12 months, even if you keep renewing your policy.

Maximum benefit policies

Policies that have a vet fee limit that’s capped for each condition, for your pet’s entire life. Once the cap has been reached, you can’t make any more claims because the limit doesn’t refresh when you renew your policy.

Lifetime pet insurance FAQs

Everything else you need to know about our lifetime policies.

Are there age limits on lifetime pet insurance cover?

At ManyPets, we don’t put any upper age limits on our policies. However, if you purchase a new policy with us once your pet is over nine, you’ll need to pay a compulsory excess of £99 and a 20% co-payment on any claim. 

If you already have a policy with us and chose to pay a higher excess, this will stay the same after your pet turns nine. You will also have to pay the 20% co-payment per claim.

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 policies 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 policy 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 policy 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 ago and our pre-existing policy can cover more recent ones.

If you’ve made a claim on your policy 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 policies 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?

We design our policies to cover your pet’s entire lifetime, which is why we ask for a 20% co-payment towards each claim from the first renewal date after your pet turns nine.

This means that you’ll contribute 20% of the cost of a claim, as well as your policy excess.

Co-payments help to keep the cost of your premiums down, so we also give you the option of a co-payment before your pet turns nine, in return for cheaper premiums.

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 policy 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 policies with an annual limit.