What is a lifetime pet insurance policy?

Unlike accident only pet insurance , for example, taking out a lifetime pet insurance policy means that your cat or dog will have rolling coverage which is renewed every year, providing you continue to pay for the policy. The advantage of lifetime pet insurance cover is that since you’re staying with the same insurer and policy, new conditions your pet is diagnosed will be factored into the policy. This means you can get help paying vet fees for ongoing issues that your pet may experience during its lifetime. There are two main types of lifetime cover – the first where you an claim up to the policy amount per condition per year, and the other where you can claim up to the total policy amount for all conditions combined over the course of the year.

What levels of Lifetime Pet Insurance are available?

The limits on a Lifetime policy are reinstated annually, refreshing the amount you can claim each year, updating with any new treatments your pet might need, and help you pay for as much as possible each year. The three levels of Lifetime Pet Insurance we offer are: Lifetime £2,000 and Lifetime £4,000 – these are renewing benefit policies and the total amount you can claim for each new condition your pet may suffer is up to £2,000 or £4,000 in vet’s fees annually. If you choose either of these polices, there is no limit to the number of separate conditions that you can claim for. Lifetime £10,000 – this is also a renewing benefit policy and the total amount you can claim for all new conditions your pet may suffer is up to £10,000 in vet’s fees annually. There is no limit to the number of separate conditions that you can claim for until the total financial limit has been reached. For all of our Lifetime policies, your pet will be covered for ongoing or future conditions as long as you keep your insurance policy with us. Take a look at our pet insurance comparison table to help you decide which level of cover is best for you and your pet. Limitations and exclusions apply, for full details please refer to our policy documents .

What’s included in Lifetime Pet Insurance?

There’s a wide range of uses which lifetime pet insurance can have which takes some of the financial strain off of unexpected bills in relation to your pet: Veterinary fees Third party legal liability and accidental damage costs Costs associated with death due to accident or illness Loss by theft or straying Reimbursement for covering advertising and reward for return of lost pet Boarding fees Emergency treatment overseas Holiday cancellation as a result of your pet needing lifesaving treatment/surgery Cost to replace a lost pet passport Quarantine costs Take a look at our pet insurance comparison table to help you decide which which benefits are best for you and your pet. Please note: a payment limit and an excess is applied to all levels of cover as shown above .

Will my pet insurance premium increase each year with Lifetime Insurance?

As with most types of insurance, your premium will be affected each year by different factors. With pet insurance, your premium will increase each year when you renew as your pet gets older. Your premium will also be impacted by things like: Making claims on your policy Increasing cost of vet fees Insurance Premium Tax increases Alterations you make to your policy Changes to policy pricing This is typically why people shop around and compare insurance prices at renewal, but the advantage of a lifetime pet insurance policy is that on-going conditions or illnesses that your pet develops while insured are covered which you might not be able to get covered for elsewhere.

What’s the difference between lifetime and annual pet insurance?

While lifetime pet insurance can give your pet cover year on year, taking into account new conditions and any other incidents your pet may experience – 12 month cover gives you cover for 12 months or until the benefit limit is reached (whichever is sooner) and reviews your pet’s conditions annually. This means that with 12 month pet insurance, new conditions will be covered for a maximum of 12 months before becoming pre-existing conditions and won’t be covered once it comes time to renew the pet insurance policy. This is one of the main benefits of lifetime pet insurance policies, as they are able to provide cover for on-going conditions your pet has, unlike 12 month policies which exclude conditions after a year of cover where they’re then seen as pre-existing conditions.

How much does lifetime pet insurance cost?

The amount that lifetime insurance costs will be dependent on several factors , including your pet's breed and age and where you live. It is worth remembering that prices will vary depending on what level of lifetime insurance policy you chose, as they will offer different cover limits. This is on top of the variation in price when insuring different breed of cats and dogs, as some breeds can cost more to insure than others.

Does the cost of lifetime pet insurance increase each year?

You’ll likely find that the cost of Lifetime pet insurance can go up each year when it comes to renewing your policy. The reason for this is typically because your pet is getting older, and older pets run a higher risk of being diagnosed with something that requires treatment, but there are other reasons lifetime pet insurance cost can go up. If insurance costs go up across the market then your policy may also increase in price, while making claims on your policy or coming to the end of an introductory offer will also see an effect on the price of your policy. However, while you might be tempted to shop around for better deals, you may lose out on the cover your current lifetime pet insurance policy offers you if your pet already has a pre-existing condition covered.

Is it best to get lifetime pet insurance?

While it’s important to look at some form of insurance for your pet so that you can afford to get medical treatment when required, it’s up to you as to what type of insurance is best for you and your pet. If you have a younger pet then you might be tempted to go for a 12 month policy if there's a significant price difference. But it’s worth considering the extra cover lifetime pet insurance can offer you and your pet, as it may help to safeguard your finances and your pet for the future if they do develop new conditions. You can learn more about how to compare types of cover with our handy table .

Joii Pet Care

Less stress more Joii

Buy lifetime cover

Here at Asda Money, we want to provide all of our customers with a high level of care, this means working alongside Joii Pet Care who offer an app with affordable and accessible expert advice for pet owners.

Joii Pet Care App Benefits

Take advantage of an app that offers affordable and accessible expert advice when you take out Pet Insurance with Asda Money

Access to expert vets

With Asda Money and Joii, you will have 24/7 access to expert vets at the touch of a button
Access to nurse clinics

Access to preventative nurse clinics for Asda pet insurance customers
Symptom checker

A free to use symptom checker to prevent you from constantly worrying and googling symptoms

About Joii Pet Care

Joii Pet Care are a team on a mission, working to provide affordable and accessible care for every pet owner. No two pets are the same, which is why Joii work so hard to offer personalised care to each individual pet through their Joii Pet Care app, empowering pet parents to improve the lives of their furry friends.

Joii is dedicated to providing affordable care for everyone, without compromising on quality.

How the app works

The Joii Pet Care app gives you access to expert vet advice in the palm of your hands. Through the app you can connect to the friendly vets at Joii for unlimited video calls day and night, join preventative nurse clinics or use the smart symptom checker to put your mind at ease.

Simply download the app, sign up and follow the prompts to connect your insured pet.

The Joii Pet Care app features:

Unlimited access to vet video consultations (usually £24 per appointment). The expert vets are available 24/7 everyday of the year
Free access to join preventative nurse clinics. available every day of the week from 8am - 10pm for all Asda Pet Insurance Customers
An easy to use symptom checker developed by world class vets for pets

Features and Benefits

Video consultations – 24/7 vets

Access to clinical expertise at the touch of a button
Full treatment plan in-app
Product recommendations
Repeat appointments and referrals for behaviour and dermatology
Asda Money Pet Insurance customers can access unlimited vet consultations

Preventative clinics

Get preventative care with tailored advice in 1 to 1 Nurse clinics, covering:

Puppies and kittens
Older pets
Weight watchers
Parasite control
Dental health
Grooming

There’s no booking needed, and it’s available from 8am to 10pm every day of the week at no cost to Asda Money customers

Easy to use symptom checker

Free to all and accessible from anywhere in the UK
Provides advice and reassurance for peace of mind
Can help prevent unnecessary trips to the vet
Great for triage advice when you’re not sure what is wrong with your pet
Easy to use with step-by-step instructions
Made by vets, for pets

Why choose Asda Pet Insurance?

The Asda advantage

Known for putting value for money at the centre of everything we do

You're in control

You can choose your policy cover as well as your excess terms, so you can get the cover your pet needs at a price that suits you

Asda service, Asda value, expert providers

An insurance offer that's best for you and your circumstances

Asda Pet Insurance is arranged and administered by Insurance Factory Limited. Insurance Factory Limited is authorised and regulated by the Financial Conduct Authority. (No. 306164). Registered in England and Wales Number 02982445. Registered Office: Markerstudy House, 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. You can check this by visiting the Financial Services Register at https://www.fca.org.uk/register

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Joii Pet Care

Joii Pet Care App Benefits

Access to expert vets

Access to nurse clinics

Symptom checker

About Joii Pet Care

How the app works

The Joii Pet Care app features:

Features and Benefits

Why choose Asda Pet Insurance?

The Asda advantage

You're in control

Asda service, Asda value, expert providers

Policy Documents

Pet Insurance FAQs

Compare Cover Types

Trustpilot reviews

Joii Pet Care

Joii Pet Care App Benefits

Access to expert vets

Access to nurse clinics

Symptom checker

About Joii Pet Care

How the app works

The Joii Pet Care app features:

Features and Benefits

Why choose Asda Pet Insurance?

The Asda advantage

You're in control

Asda service, Asda value, expert providers

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Policy Documents

Pet Insurance FAQs

Compare Cover Types

Trustpilot reviews