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Lifestyle Guides

Lifetime pet insurance

Learn all about lifetime pet insurance and how it differs from other types of cover in this guide.


If you want high quality, comprehensive pet care for your dog or cat, a lifetime pet insurance policy could be the way to go.

As the most extensive type of cover available, a lifetime policy means that your pet will be covered for a wide range of conditions for their whole life. Policy limits reset each year, so you’ll be able to claim for the same health condition multiple times (providing your insurer invites you to renew, you renew your cover and pay the annual premium, of course).

Admiral Insurance offers lifetime pet insurance policies for both cats and dogs. There are no time restrictions or age limits, so your pet will be covered under their lifetime policy for as long as they live, as long as you renew it each year.

Wondering what the differences are between lifetime pet insurance and other types of cover? You’ll find all the information you need in this guide.

What is lifetime pet insurance?

Whereas non-lifetime pet insurance policies such as maximum benefit cover and 12 month cover will only insure your pet for a particular health condition up to a pre-set financial limit, having lifetime pet insurance means your limits reset each year.

For example, let’s say you’ve decided to purchase lifetime cover for your cat, with an annual policy limit of £5,000. A typical cat life span is 16 years; if your feline friend lives this long and you renew your policy each year, you’ll be able to claim up to £80,000 during your pet’s lifetime.

In contrast, a non-lifetime pet insurance policy will only cover you for each condition up to a certain limit, and this will not reset. Once you’ve reached the maximum claim for a particular condition, any further bills from your vet will no longer be covered by your insurer – you’ll have to pay them yourself.


What are the advantages of lifetime pet insurance?

Lifetime cover is a particularly good choice for pets with long-term health problems, such as diabetes or arthritis. However, pre-existing conditions are usually excluded by your insurer when you purchase your policy. To make a claim, your pet would need to contract the condition at least 14 days after the commencement date of your policy.

The costs of cat or dog care can be made more predictable with lifetime pet insurance. Rather than risking an enormous fee whenever your cat or dog contracts an illness or has an accident, lifetime cover means you’ll pay your insurer a recurring annual fee in exchange for them covering veterinary bills.

There are limits to the amount you can claim and a small excess to pay, but if your pet experiences repeated health problems over the course of their lifetime, it could work out cheaper and more manageable to invest in lifetime pet insurance.

It’s worth noting that if you’ve already bought lifetime pet insurance with a different insurer, you still have the option of switching to a different provider. This means you can continue shopping around for the best pet quotes, no matter who you’ve bought your insurance from. If you switch to another insurer, however, any ongoing conditions would be considered pre-existing and are unlikely to be covered by a new provider.

How to make a lifetime pet insurance claim

Making an insurance claim with Admiral on behalf of your pet isn’t as complicated as you might think.

Admiral makes the process easy: email our claims team via, or request a pet insurance claim form over the phone by calling 0330 102 5745.

You can also request a claims form by writing to Insurance Factory Ltd (our pet insurance provider) at Admiral Pet Insurance, 5th Floor, Connect Centre, Kingston, Crescent, Portsmouth, PO2 8DE.


Insurance Factory Ltd
For pet insurance, Admiral introduce to Insurance Factory Ltd who arrange and administer the policy. Insurance Factory Ltd is authorised and regulated by the Financial Conduct Authority (No. 306164). Registered in England and Wales Number 02982445. Registered Office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB.  The policy is underwritten by HDI Global Specialty SE UK. Registered in Germany, registration number HRB 211924. Registered Office Roderbruchstraße 26, 30655 Hannover, Germany acting through its UK branch whose office is located at 10 Fenchurch Street, London EC3M 3BE, United Kingdom. Authorised by the Bundesanstalt für Finanzdienstleistungsaufsicht, and authorised to limited regulation by the Financial Conduct Authority (FCA No. 659331). Third party liability (dogs only) is underwritten by Ageas Insurance Limited, Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3YA, Registered in England and Wales No. 354568.