Lifetime dog insurance
Ongoing cover for vet fees from accidents, illnesses and conditions.
What our Lifetime policies cover
Lifetime policies cover long-term, chronic or recurring conditions, as well as short term illness and injury.
As long as the policy is renewed each year without a break, we will continue to provide cover for conditions such as diabetes or arthritis which require treatment over a long period of time.
There are two types of Lifetime policies, with different levels of cover
1. Annual policy limit for all claims. You can choose a policy that covers vet bills up to a total amount each year. Our products offer a range of cover from £1,000 to £18,000 per year. Once the limit is reached, you’ll not be able to claim anymore, until the policy renews and the amount becomes available again. Find out more below.
2. Annual condition limit. You can choose a policy that covers each different condition (or illness), up to either £1,000, £2,000, £4,000 or £6,000 each year. Once the limit for a condition is reached you’ll not be able to claim for that condition, until the policy renews and the amount becomes available for that condition again. However, you can still make a claim for any other conditions. Find out more below.
Would you like to know more?
Read through our policy documents for more information.
Super, Superior and Superior Plus
Prestige
Lifetime £1,000 to £5,000
Lifetime £10,000 and Lifetime £18,000
Already an existing customer?
Please refer to the policy documents we sent you when you took out or renewed your policy. You can Login to your online account to view these.
Did you know...
All our dog policies give you free vet video consults 24/7/365 through the Joii app.
Annual policy limit for all claims
We’ll pay vet’s fees up to your chosen annual cover amount in one policy year. This means that you have an annual limit and each payable claim submitted will be deducted from this total.
There is no limit to the number of claims you can submit and you can submit claims until the annual limit has been reached.
Once you reach your annual limit in that policy year, you’ll not be able to make any more claims until you renew your policy and the amount becomes available again. This means that some chronic conditions, like epilepsy, can be covered year after year.
For example...
If you chose an annual limit of £3,000 and your dog was to develop a skin condition and suffered damage to their paw, we would cover the cost of treatment up to £3,000 in one year (subject to any applicable excess or co-payment). When you renew your policy the annual policy limit is reset and you'll be covered up to £3,000 again, should you need it.
Amount of cover
Select a policy below to see all cover limits, excess and additional benefits. Not sure how much cover you need? Find out the cost of vet fees.
- Annual condition limit: N/A
- Lifetime condition limit: Unlimited
- Annual policy limit: £1,000
-
Vet excess: £69, £99, £159, £199 or £249
- Co-payment: 20% after age 8
Additional benefits
We cover up to the amounts shown below:
| If your dog injures someone or damages their property. | £2m | If your dog causes accidental damage in someone else's home. | x |
| If your dog dies or is put to sleep. | £600 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your dog needs urgent medical care. | £1,000 | If you can’t look after your dog because you’re in hospital. | £600 |
| If your dog goes missing or is stolen. | £600 | If your dog needs urgent medical care abroad. | £2,000 |
| Transport costs if your dog needs treatment at another vet or hospital. | x | A dog walker or pet minder, because you’re in hospital. | £100 |
| Cremation or burial | x |
- Annual condition limit: N/A
- Lifetime condition limit: Unlimited
- Annual policy limit: £2,000
-
Vet excess: £69, £99, £159, £199 or £249
- Co-payment: 20% after age 8
Additional benefits
We cover up to the amounts shown below:
| If your dog injures someone or damages their property. | £2m | If your dog causes accidental damage in someone else's home. | x |
| If your dog dies or is put to sleep. | £600 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your dog needs urgent medical care. | £1,000 | If you can’t look after your dog because you’re in hospital. | £600 |
| If your dog goes missing or is stolen. | £600 | If your dog needs urgent medical care abroad. | £2,000 |
| Transport costs if your dog needs treatment at another vet or hospital. | x | A dog walker or pet minder, because you’re in hospital. | £100 |
| Cremation or burial | x |
- Annual condition limit: N/A
- Lifetime condition limit: Unlimited
- Annual policy limit: £3,000
-
Vet excess: £69, £99, £159, £199 or £249
- Co-payment: 20% after age 8
Additional benefits
We cover up to the amounts shown below:
| If your dog injures someone or damages their property. | £2m | If your dog causes accidental damage in someone else's home. | x |
| If your dog dies or is put to sleep. | £600 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your dog needs urgent medical care. | £1,000 | If you can’t look after your dog because you’re in hospital. | £600 |
| If your dog goes missing or is stolen. | £600 | If your dog needs urgent medical care abroad. | £2,000 |
| Transport costs if your dog needs treatment at another vet or hospital. | x | A dog walker or pet minder, because you’re in hospital. | £100 |
| Cremation or burial | x |
- Annual condition limit: N/A
- Lifetime condition limit: Unlimited
- Annual policy limit: £4,000
-
Vet excess: £69, £99, £159, £199 or £249
- Co-payment: 20% after age 8
Additional benefits
We cover up to the amounts shown below:
| If your dog injures someone or damages their property. | £2m | If your dog causes accidental damage in someone else's home. | x |
| If your dog dies or is put to sleep. | £600 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your dog needs urgent medical care. | £1,000 | If you can’t look after your dog because you’re in hospital. | £600 |
| If your dog goes missing or is stolen. | £600 | If your dog needs urgent medical care abroad. | £2,000 |
| Transport costs if your dog needs treatment at another vet or hospital. | x | A dog walker or pet minder, because you’re in hospital. | £100 |
| Cremation or burial | x |
- Annual condition limit: N/A
- Lifetime condition limit: Unlimited
- Annual policy limit: £5,000
-
Vet excess: £69, £99, £159, £199 or £249
- Co-payment: 20% after age 8
Additional benefits
We cover up to the amounts shown below:
| If your dog injures someone or damages their property. | £2m | If your dog causes accidental damage in someone else's home. | x |
| If your dog dies or is put to sleep. | £1,200 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your dog needs urgent medical care. | £2,000 | If you can’t look after your dog because you’re in hospital. | £1,200 |
| If your dog goes missing or is stolen. | £1,200 | If your dog needs urgent medical care abroad. | £2,000 |
| Transport costs if your dog needs treatment at another vet or hospital. | x | A dog walker or pet minder, because you’re in hospital. | £100 |
| Cremation or burial | x |
- Annual condition limit: N/A
- Lifetime condition limit: Unlimited
- Annual policy limit: £10,000
-
Vet excess: £69, £99, £159, £199 or £249
- Co-payment: 20% after age 8
Additional benefits
We cover up to the amounts shown below:
| If your pet injures someone or damages their property. | £2m | If your pet causes accidental damage in someone else's home. | x |
| If your pet dies or is put to sleep. | £2,000 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your pet needs urgent medical care. | £2,500 | If you can’t look after your dog because you’re in hospital. | £1,500 |
| If your pet goes missing or is stolen. | £2,000 | If your pet needs urgent medical care abroad. | £2,500 |
| Transport costs if your pet needs treatment at another vet or hospital. | x | A dog walker or pet minder, because you’re in hospital. | £100 |
| Cremation or burial | £200 |
- Annual condition limit: N/A
- Lifetime condition limit: Unlimited
- Annual policy limit: £18,000
-
Vet excess: £69, £99, £159, £199 or £249
- Co-payment: 20% after age 8
Additional benefits
We cover up to the amounts shown below:
| If your pet injures someone or damages their property. | £2m | If your pet causes accidental damage in someone else's home. | x |
| If your pet dies or is put to sleep. | £3,000 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your pet needs urgent medical care. | £2,500 | If your pet needs to go into a cattery or kennel because you're in a hospital. | £1,500 |
| If your pet goes missing or is stolen. | £3,000 | If your pet needs urgent medical care abroad. | £2,500 |
| Transport costs if your pet needs treatment at another vet or hospital. | x | For a dog walker or minder for your dog, because your in hospital. | £100 |
| Cremation or burial | £200 |
Pet insurance premiums increase as your pet gets older, as the chance of your pet becoming ill increases. Excesses apply to all our policies and a co-payment is currently payable on claims if you renew your policy after your dog turns 8 years old.
Annual condition limit
You can choose a cover limit to cover each condition (or illness) your pet may suffer. We’ll pay the vet’s fees for each condition, up to your chosen cover limit.
Once a specific condition has reached the limit chosen, that condition will not be covered until the policy renews and the limits become available again for each condition.
This means that some chronic conditions like arthritis, can be covered year after year and does not impact on the amount of cover you have left for any other conditions your pet may suffer from in that policy year.
For example...
If you chose a condition limit of £2,000 and your dog was to develop a skin condition and suffered damage to their paw, we would cover the cost of treatment for the skin condition up to £2,000 and also the damage to their paw, up to £2,000 (subject to any applicable excess or co-payment). When you renew your policy the annual condition limit is reset and you'll be covered for up to £2,000 again for each condition should you need it.
Amount of cover
Select a policy below to see all cover limits, excess and additional benefits. Not sure how much cover you need? Find out the cost of vet fees.
- Annual condition limit: £1,000
- Lifetime condition limit: Unlimited
- Annual policy limit: N/A
-
Vet excess: £69, £99, £159, £199 or £249
- Co-payment: 20% after age 8
Additional benefits
We cover up to the amounts shown below:
| If your dog injures someone or damages their property. | £2m | If your dog causes accidental damage in someone else's home. | x |
| If your dog dies or is put to sleep. | £500 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your dog needs urgent medical care. | £1,000 | If you can’t look after your dog because you’re in hospital. | £500 |
| If your dog goes missing or is stolen. | £500 | If your dog needs urgent medical care abroad. | £1,500 |
| Transport costs if your dog needs treatment at another vet or hospital. | x | A dog walker or pet minder, because you’re in hospital.. | £100 |
| Cremation or burial | x |
- Annual condition limit: £2,000
- Lifetime condition limit: Unlimited
- Annual policy limit: N/A
-
Vet excess: £69, £99, £159, £199 or £249
- Co-payment: 20% after age 8
Additional benefits
We cover up to the amounts shown below:
| If your dog injures someone or damages their property. | £2m | If your dog causes accidental damage in someone else's home. | x |
| If your dog dies or is put to sleep. | £750 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your dog needs urgent medical care. | £1,000 | If you can’t look after your dog because you’re in hospital. | £750 |
| If your dog goes missing or is stolen. | £750 | If your dog needs urgent medical care abroad. | £2,000 |
| Transport costs if your dog needs treatment at another vet or hospital. | x | A dog walker or pet minder, because you’re in hospital. | £100 |
| Cremation or burial | x |
- Annual condition limit: £4,000
- Lifetime condition limit: Unlimited
- Annual policy limit: N/A
-
Vet excess: £69, £99, £159, £199 or £249
- Co-payment: 20% after age 8
Additional benefits
We cover up to the amounts shown below:
| If your dog injures someone or damages their property. | £2m | If your dog causes accidental damage in someone else's home. | x |
| If your dog dies or is put to sleep. | £1,000 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your dog needs urgent medical care. | £1,500 | If you can’t look after your dog because you’re in hospital. | £1,000 |
| If your dog goes missing or is stolen. | £1,000 | If your dog needs urgent medical care abroad. | £2,000 |
| Transport costs if your dog needs treatment at another vet or hospital. | x | A dog walker or pet minder, because you’re in hospital. | £100 |
| Cremation or burial | x |
- Annual condition limit: £6,000
- Lifetime condition limit: Unlimited
- Annual policy limit: N/A
-
Vet excess: £69, £99, £159, £199 or £249
- Co-payment: 20% after age 8
Additional benefits
We cover up to the amounts shown below:
| If your dog injures someone or damages their property. | £2m | If your dog causes accidental damage in someone else's home. | £750 |
| If your dog dies or is put to sleep. | £1,500 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your dog needs urgent medical care. | £2,500 | If you can’t look after your dog because you’re in hospital. | £1,500 |
| If your dog goes missing or is stolen. | £1,500 | If your dog needs urgent medical care abroad. | £2,000 |
| Transport costs if your dog needs treatment at another vet or hospital. | £200 | A dog walker or pet minder, because you’re in hospital. | £100 |
| Cremation or burial | x |
Pet insurance premiums increase as your pet gets older, as the chance of your pet becoming ill increases. Excesses apply to all our policies and a co-payment is currently payable on claims if you renew your policy after your dog turns 8 years old.
Additional benefits
Our Lifetime policies offer extra benefits for our customers. The benefit levels depend on the cover selected. So, as well as getting peace of mind knowing that your dog is protected with our Lifetime cover, you'll also be prepared for life's unexpected little mishaps.
All our policies give you free vet video consults 24/7/365 through the Joii app.
| Benefits | Lifetime £1,000 to Lifetime £18,000 | Super, Superior, Superior Plus |
Prestige |
|---|---|---|---|
| If your dog injures someone or damages their property. | ✔ | ✔ | ✔ |
| If your dog goes missing or is stolen. | ✔ | ✔ | ✔ |
| Advertising and Reward. | ✔ | ✔ | ✔ |
| If you can’t look after your dog because you’re in hospital. | ✔ | ✔ | ✔ |
| If your dog dies or is put to sleep. | ✔ | ✔ | ✔ |
| If you need to cancel or cut short a holiday because your dog needs urgent medical care. | ✔ | ✔ | ✔ |
| A dog walker or pet minder, because you’re in hospital. | ✔ | ✔ | ✔ |
| Transport costs if your dog needs treatment at another vet or hospital. | ✗ | ✗ | ✔ |
| If your dog causes accidental damage in someone else's home. | ✗ | ✗ | ✔ |
| Dental accident cover (Direct result of an accident or injury). |
Lifetime £5,000 | ✗ | ✔ |
| Dental accident and illness | Lifetime £10,000, Lifetime £18,000 | ✗ | ✗ |
| Cremation or burial | Lifetime £10,000, Lifetime £18,000 | ✗ | ✗ |
How much cover do you need?
According to the Association of British Insurers, the average vet claim was £848 in 2021.
Knowing how much your dog could cost is important so you’re prepared with the right type of policy and we’re here to help with cover up to £18,000 in a year.
Lifetime policy customer reviews
"Our poor dog got diagnosed with inflammatory bowel disease and required specialist attention, this was handled by yourselves brilliantly and took a lot of extra stress away from us when we already had enough. You have been wonderful throughout and we couldn't recommend you enough; we always do to everyone with a pet!"
M.A., Cheshire - March 2022
"My dog has been insured with Animal Friends for several years. I can't rate you high enough! Absolutely brilliant."
J.T., County Durham - March 2022