Lifetime pet insurance

Depending on the policy you choose, we can cover:

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

• Free 24/7 free vet video calls with FirstVet - which won’t affect your vet fee limit.

• Pre-existing conditions all policies cover conditions that ended two years ago - and we have a policy that covers more recent issues.

• Dental treatment for accidents on all policies as part of your annual vet fee limit. Dental illness is also covered by our Complete policy.

• Immediate cover if you switch to us straight from another pet insurance provider.

• 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 part of your vet fee limit.

• Legal action against 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.

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

• Pre-existing conditions that your vet has given treatment, medication or advice for in the last two years - unless you choose our pre-existing condition policy.

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

• Immediate vet fees - 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.

Read our policy documents

A lot of pet parents find lifetime 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.

Here’s how our award-winning policies compare with other types of pet insurance:

Our annual lifetime pet insurance versus annual lifetime pet insurance with a limit per condition:

Not all lifetime pet insurance is the same. Some other providers have two types of limit: an overall annual limit for all claims, plus a separate lower limit that caps how much you can claim for each condition.

For example, the overall limit might be £6,000 each year, but the condition limit could be £2,000. So if your dog suffered from cancer and a skin condition in the same policy year, you’d only be able to claim up to £2,000 for each of those conditions, even if treatment still came to less than £6,000 in total.

At ManyPets we want our policies to be easy to understand. So there’s just a single claim limit for all conditions - this means you only have to think about the total amount of cover you have each year.

Our annual limit pet insurance versus time-limited pet insurance:

If you’re comparing pet insurance by price, you may find some of the cheaper policies are time-limited or 12-month policies. They often allow you to claim for each condition for just 12 months, even if you keep renewing your policy.

At ManyPets we don’t do time-limited policies because we want you to be able to claim for a condition year after year, even if your pet develops long-term conditions like Cushings disease or diabetes.

Our pet insurance versus maximum benefit policies:

A maximum benefit policy has 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.

A maximum benefit policy with a £3,000 limit per condition would let you claim up to £3,000-worth of veterinary treatment, regardless of the length of time it took to reach this total.

The problem is, a maximum benefit limit could easily be used up, especially if your pet needs costly surgery and ongoing treatment.

For example, if your cat had a tumour removed, and you claimed £2,000 for the operation and aftercare, that would only leave £1,000 that you could claim for ongoing chemotherapy and medication for the rest of her life.  Then you’d have to pay for any more treatment yourself (although you could still claim up to the per condition limit for other injuries and illnesses).

We hope your pet will have a long, happy life, which is why our policies have an annual limit that resets every year you renew.