Lifetime Pet Insurance
Lifetime cover is our most comprehensive pet insurance.
- Claim for up to £10,000 towards vet bills per year
- Dental cover for accidents on all policies as standard
- 24/7 access to vets via our video call service.
Like family, your dog or cat will likely mean the world to you. Getting the right lifetime pet insurance is an important step in helping to keep your furry friend healthy and happy.
What is Lifetime pet insurance?
Lifetime Pet Insurance is the most comprehensive level of cover available for your pet. Asda Lifetime Pet Insurance is available for cats and dogs, and it keeps them protected and covered for life – as long as you renew the policy every year. It also helps pay towards any health condition that develops or worsens during the time of cover.
It covers both accidents and illnesses, and the amount of money you can use on claims each year resets every time you renew your policy.
What does Lifetime Cover mean?
Pet insurance lifetime cover means that your pet can get the help they need if they suffer from a new illness or injury, with support in paying vet bills up to the cover limit of your policy.
Unlike a Time Limited policy, this policy will cover your pet for the entirety of its life, provided you renew your policy.
There are policies that will only protect your pet against accidents or be valid for 12 months at a time. A lifetime insurance policy will give you peace of mind that your cat or dog can get treatment without having to worry about having to cover potentially expensive vet bills on your own.
What does Asda Lifetime pet insurance cover?
Asda Lifetime Pet Insurance covers:
| Lifetime £2,000 | Lifetime £4,000 | Lifetime £6,000 |
|---|---|---|
| Veterinary Fee Cover | ||
| £2,000 per year | £4,000 per year | £6,000 per year |
| Dental treatment | ||
Illness - No. | Illness - No. |
Accident - Yes Illness - Yes. |
Accident - Yes |
| (as part of Veterinary Fee Cover) | ||
| Complementary Treatment | ||
| £1,000 | £1,500 | £1,500 |
| (as part of Veterinary Fee Cover) | ||
| Cruciate ligament treatment | ||
| £1,250 per year | £1,250 per year | £1,500 per year |
| (as part of Veterinary Fee Cover) | ||
| CT/MRI scans | ||
| £1,250 | £1,500 | £1,500 |
| (as part of Veterinary Fee Cover) | ||
| Specialist Diet | ||
| £200 | £250 | £250 |
| (as part of Veterinary Fee Cover) | ||
| Behaviour Treatment | ||
| £1,000 | £1,000 | £1,000 |
| (Covered as a result of an accident only and as part of a Veterinary Fee Cover) | ||
| Fixed Excess | ||
| £100 - £250 as chosen by you | £100 - £250 as chosen by you | £100 - £250 as chosen by you |
| (Certain dog breeds have a specified minimum excess of £200) | ||
| Co-Insurance Excess | ||
| 10% for pets aged 5 years and over | 10% for pets aged 5 years and over | 10% for pets aged 5 years and over |
| (Payable in addition to the Fixed Excess) | ||
| Death from illness | ||
| £1,500 | £2,000 | £2,000 |
| (Only available for pets less than 7 years of age) | ||
| Death From Accident | ||
| £1,500 | £2,000 | £2,000 |
| (No age limit) | ||
| Cremation/Burial | ||
| £100 | £100 | £100 |
| (only available for pets less than 7 years of age) | ||
| Third Party Liability | ||
| £1,000,000 | £1,000,000 | £1,000,000 |
| (For dogs only - £250 excess per claim) | ||
| Advertising and Reward | ||
| £750 | £1,000 | £1,000 |
| Loss of Pet - Theft or Straying | ||
| £1,500 | £2,000 | £2,000 |
| Emergency Boarding Kennel Fees | ||
| £1,500 | £2,000 | £2,000 |
| Emergency Holiday Cancellation | ||
| £1,500 | £2,000 | £2,000 |
| Overseas Travel Cover | ||
| 364 days | 364 days | 364 days |
| Unexpected Quarantine Expenses | ||
| £1,000 | £1,500 | £1,500 |
How much does Lifetime Pet Insurance cost?
According to the Association of British Insurers, the average annual cost of pet insurance in 2024 was £389[1].
However, the amount you pay for Lifetime Pet Insurance will also be affected by a number of other factors, such as:
- Location – vet fees and treatment costs vary depending on where you live in the country
- Age – as you pet gets older, the likelihood of them falling ill increases, which often means your premiums will also rise.
- Claim history – if you have made claims on your policy, your insurer will take this into account at renewal date and may increase your premium accordingly
- Excess – how much you pay for your excess affects the price of your pet insurance. The higher the excess, the lower your premium, however a higher excess also means paying more when making a claim.
- Pet breed – the breed of your pet will also affect the cost of your insurance, as some breeds are more susceptible to health conditions and are therefore more expensive to insure.
If you’re looking for cheap Lifetime pet insurance, there are things you can do to help keep costs down, such as keeping your pet healthy, getting your pet microchipped and neutered or paying a higher excess.
[1] https://www.abi.org.uk/news/news-articles/2024/8/record-numbers-take-out-pet-insurance-for-their-four-legged-fur-ends/
What's included in Lifetime pet insurance?
A Lifetime Pet Insurance policy is the most comprehensive level of cover you can get for your pet. Here’s everything that is included in a Pet Insurance Lifetime Policy through Asda Money.
| What it covers | Benefits |
|---|---|
| Vet fees | Cover the cost of treatment that is required for any injury or illness, up to the per condition or per year limit. The limits are reset every year when you renew your policy, so your pet will still be covered for any conditions you claimed for previously. |
| Boarding costs | Covers the cost of putting your dog or cat into a kennel or cattery if you’ve had to stay in hospital as an emergency. |
| Third party liability cover | Covers you for any claims that are made against you for any loss or damage that may have been caused by your pet. Keep in mind that this applies to dog insurance only and not cats. |
| Dental cover | Only covers dental cover when the issue is caused by an accident or injury. Routine dental checkups and treatment are not covered. |
| Cover for lost or stolen pets | Your insurer may cover the cost of any advertising that is needed to help bring your pet home. Your insurer may also pay a portion of your pet’s original purchase price if they unfortunately cannot be found. |
| Complimentary therapies | Sometimes, your vet may recommend complementary therapies such as acupuncture or hydrotherapy, which may be covered by your policy. |
| Euthanasia | If the worst happens, your Lifetime Pet Insurance can cover the cost of putting your pet to sleep |
Lifetime pet insurance exclusions
While Lifetime insurance is highly comprehensive, there are a few things that are not covered in these policies:
- Routine dental treatment – pet insurance policies do not cover the cost of routine dental check ups and treatment. The only dental cover you will receive if it is a result of accident or injury.
- Pre-existing conditions – treatment and medical care required for a condition that existed before you took out your Lifetime Insurance Policy is not covered.
- Excess and co-payment – with Lifetime Pet Insurance policies, you will need to pay towards the sum of the claim yourself, which is called an excess. Some policies also have what is called a “co-payment”, which is essentially another excess where you pay a percentage of the full cost.
Advantages of Lifetime pet cover
Here are some of the many benefits of taking out a Lifetime pet insurance policy for your furry friend:
- The most comprehensive level of pet insurance available, giving you peace of mind
- Provides cover for chronic, long-term health conditions that occur during the time of the policy
- Your pet will be covered for life for any chronic conditions, provided the policy is renewed each year
Disadvantages of Lifetime Cover
There are a few things to consider when taking out Lifetime Pet Insurance, such as:
- Once you reach the per year or per condition limit, you will have to pay for the remaining treatment yourself.
- To get the full benefits of a Lifetime policy, you will have to stay with the same insurer year on year
- The price of Lifetime Pet Insurance policies increases as your pet gets older – it’s not a fixed price and may go up each year
Is Lifetime pet insurance worth it?
Lifetime pet insurance offers extensive cover for your pet, providing ongoing support for conditions throughout their life, as long as the policy is renewed annually. It’s a comprehensive option designed to help with long-term and recurring health needs.
Other cover types
Top Lifetime Pet Insurance FAQs:
- What levels of Lifetime Pet Insurance are available?
-
The five levels of Lifetime Pet Insurance we offer are Lifetime £2,000, Lifetime £4,000, Lifetime £6,000, Lifetime £8,000 and Lifetime £10,000. If you choose any of these policies, there is no limit to the number of separate conditions that you can claim for until the total financial limit has been reached.
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.
- Will my pet insurance premium increase each year with Lifetime insurance?
-
It is common for pet insurance premiums to increase each year, including with Lifetime insurance. Premium increases can be influenced by factors such as your pet’s age, any claims made, rising veterinary costs, and changes in your insurer’s pricing. Your renewal price may also be impacted by external factors like inflation or increases in Insurance Premium Tax.
- 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 – Annual or Time Limited cover gives you cover for 12 months or until the benefit limit is reached (whichever is sooner) and reviews your pet’s conditions annually.
- How much does Lifetime pet insurance cost?
-
The amount you pay for Lifetime pet insurance will depend on several factors, including your pet's breed and age and where you live.
- Does the cost of Lifetime pet insurance increase each year?
-
You may find the cost of Lifetime Pet Insurance increases each year when renewing your policy. The reason for this is typically because your pet is getting older, and older pets are at increased risk of developing health conditions.
- Does Lifetime pet insurance cover pre-existing conditions?
-
At Asda Money, our Lifetime Pet Insurance doesn’t cover pre-existing conditions. Your Asda Lifetime Pet Insurance policy will not cover any medical condition or symptoms that your pet had before the start date of your policy or any that occur during the first 14 days of your insurance cover.
Other links
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