A Lifetime pet insurance policy will give you cover for the whole life of your pet as long as your policy remains in force and your payments are kept up to date.
This means that whenever they suffer from a new illness or a new injury, your Lifetime pet insurance policy with help you pay the vet bills up to the cover limit of the policy you’ve chosen. Our Lifetime pet insurance policy limits are £2,000, £4,000 or £10,000. Other types of pet insurance policies tend to only cover your pet for accidents not illnesses, or for only 12 months.
Compared to other types of pet insurance policies, Lifetime pet insurance is normally the most comprehensive and therefore costs more, which means it covers more things and can offer the highest limit of cover. For example, with Asda Lifetime pet cover, you can choose up to £10,000 cover for veterinary fees. This can also mean it’s the most expensive to buy. And remember, your pet insurance premium will increase as your pet gets older.
Lifetime pet insurance can be bought for most cats or dogs as long as they are more than 8 weeks old when the policy cover starts. If you have a dog that you want to buy Lifetime pet insurance for, please check it’s a breed that can be covered. For example, we don’t cover certain breeds and crossbreeds, including breeds from the Dangerous Dogs Act 1991.
If you decide to take out an Asda Lifetime pet insurance policy, you’ll need to consider that co-payment is a mandatory feature of the policy once your pet is five years old. Co-payment is the amount you pay towards vet fees each time you make a claim for a condition. For all pets aged five years and over, the mandatory co-payment amount is 10%. This is in addition to the standard excess for each policy.
Limitations and exclusions apply. Please read the policy documents before purchasing so you are sure that it offers you the cover you need.
Compare pet insurance levels with Asda
Our Lifetime Pet Insurance comes in three packages – covering you for up to £2,000, £4,000 and £10,000 in vet's fees, reinstated annually.
Your pet will be covered up to the policy limit for each year they need treatment, so as long as you keep your policy renewed, premiums paid up to date and your insurer asks you to renew, there is no limit on how long you can claim for each illness or injury. This is different from other policies where, once an ailment has been diagnosed and you have been paid out, you may not be able to cover it again.
The three levels of Lifetime Pet Insurance available are:
For all of our Lifetime policies, your pet will be covered for on-going or future conditions as long as you keep your insurance policy with us.
Please note, this is only a brief guide to our Lifetime Pet Insurance, limitations and exclusions do apply. For full details of what is and isn’t covered, please see our Policy Documents.
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With pet insurance, your premium will increase each year at renewal as your pet gets older.
We’ll limit the amount it goes up by, but your renewal price will also be impacted by:
You can, of course, shop around at renewal. Just bear in mind that any existing conditions your pet’s developed, whether diagnosed or not, may not be covered elsewhere.