Lifetime Pet Cover

Lifetime Pet Cover: lifetime cover insurance for dogs and cats

Lifetime Pet Cover is a UK-based insurer that focuses on a single product: lifetime cover policies for dogs and cats. The company presents itself as an award-winning option on several occasions and states that it only sells this type of policy, which it describes as the most comprehensive for pets. Its proposition is built around continuity of cover for illnesses and accidents, with an annual cover limit chosen by the customer.

What the policies cover

Lifetime cover applies to veterinary expenses arising from accidents and illnesses, up to the annual limit selected by the policyholder. According to the company's information, all policies include lifetime cover for ongoing conditions, dental treatment, complementary therapies, cover abroad and third-party liability in the case of dogs. Some of these covers are subject to limits, as the entity itself specifies.

The company highlights that claims are paid directly to vets, a mechanism that saves the customer from having to pay the veterinary bill upfront.

24/7 veterinary support

All policies give access to the Lifetime Pet Cover 24/7 Veterinary Line, which offers online veterinary support with unlimited use and at no extra cost. The service is provided by veterinary nurses registered with the RCVS (Royal College of Veterinary Surgeons) and covers both one-off queries and ongoing follow-up, with telephone support available 24 hours a day.

Industry context and information

The insurer complements its offering with informative content on pet care. Topics covered include an explanation of how pet insurance works, a comparison between taking out a policy and using a savings account, and an analysis of the costs of having a pet in the UK. The company cites industry data according to which pet insurers paid £1.23 billion in claims in 2024, a record figure attributed to Abi.org.uk in 2025.

In its pet care section, it also publishes guides on breeds, such as choosing cats compatible with homes where a dog already lives, and on complementary therapies for pets, an area the company states it covers in its policies.

Corporate details and regulation

Lifetime Pet Cover is a trading name of Lifetime Pet Cover Limited, a company registered in England and Wales with number 09138396. The entity is authorised and regulated by the UK Financial Conduct Authority (FCA), with financial services register number 973845. Its registered office is stated as The Old Dairy, Western Court, Bishops Sutton, United Kingdom, postcode SO24 0AA.

The company advises that telephone calls may be recorded for training and monitoring purposes.

Location and contact

The Old Dairy, Western Court, Bishops Sutton, United Kingdom, SO24 0AA