UPDATE: Policy was received into the spam folder. Good service, premium ok, cheaper than others, but still way too expensive. Of course it's the claim situation that's the important revie... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I called direct to get a quote. Didn't have to wait long before call was answered. Tom the advisor was extremely helpful. He explained everything clearly. He did not rush through the information... See more
Company replied
I did a review last year slating the company as they had changed underwriters who treated you as a brand new customer & had to have all pets history from Vets. I went through the complaints procedur... See more
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Very pleased. I spoke to a very helpful young gentleman over the phone who explained everything very well , answered all my questions and sorted a problem that had occurred trying to get their insuran... See more
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Company details
Written by the company
Lifetime Pet Cover began in 2014, inspired by a personal experience when a cherished family pet became seriously ill, and the existing insurance didn’t provide the support that was needed. That experience sparked a commitment to create pet insurance that puts pets and their owners first. We believe in keeping things simple and focused on quality which is why we offer only Lifetime policies, designed to provide lasting protection, with five levels of cover to suit your needs. As a team of dedicated pet lovers, we’re committed to providing reliable service and insurance you can truly count on. Our goal is simple - to be here when you need us, protect your pet and give you peace of mind.
Contact info
The Old Dairy, Western Court, Bishops Sutton, SO24 0AA, Winchester, United Kingdom
- 02037500022
- hello@lifetimepetcover.co.uk
- lifetimepetcover.co.uk
Lifetime Cover for Cats & Dogs
4.5
Excellent
1K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 90% of negative reviews
Typically replies within 1 week
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Very good price & type of cover for my dog.
Very good price & type of cover compared to my existing policy. Helpful & friendly call assistant & confirmation documents arrived within minutes by email. Very satisfied.
2 April 2026
Reply from Lifetime Pet Cover
Thank you very much for your feedback Judith! We are delighted to hear you found our cover and pricing better than your previous policy and that our team were helpful and friendly when assisting you. It’s great to know your documents arrived promptly and that you are very satisfied with your experience. We really appreciate you choosing us to protect your pet 😊
Reply from Lifetime Pet Cover
Thank you for your feedback 😊We are really pleased to hear you found it easy to get a quote.
Easy to use application process timely…
Easy to use application process timely receipt of policy acceptance and confirmation
31 March 2026
Reply from Lifetime Pet Cover
Thank you for your feedback! We are glad to hear you found the application process easy and that you received your policy confirmation promptly. Thank you for choosing us to protect your pet.
A follow up to my review of 11 Nov 25
When my dog Ruby underwent an x-ray at a specialist veterinary surgery to discover the reason for her lameness, I expected my excess fee to be deducted from my £1000 claim for the single clinical procedure. What actually happened was that, because the surgeon found two conditions, Covea thought it appropriate to deduct two excesses plus two 'co-payments' leaving me significantly out of pocket. This is what they said (but then read on...)
"The outcome of applying two excesses would have been based on how your vet has defined and submitted the conditions you are claiming for, as this determines whether they are considered related or separate under the terms of the policy. The policy excess is payable once per condition, per policy year (should a condition recur). If there are 2 different conditions being claimed for and the first time you are claiming for them that policy year, you will need to pay an excess towards each condition you are claiming for. We do our best to explain this on our website prior to purchase and within the various policy documents we share with every customer".
I felt this was grossly unfair as did the veterinary surgeon whom performed the specialist x-ray. Anyway I am delighted to report that I reported Covea to the Insurance Ombudsman and they found it my favour meaning that Covea had to reimburse me for one excess, one co-payment, pay me backdated interest plus compensation. Result! So for anyone else experiencing the same - challenge it!
17 March 2026
Unprompted review
Reply from Lifetime Pet Cover
Hi Elizabeth, thank you for taking the time to share your experience. We are very sorry to hear about the frustration and concern this situation caused, particularly at a time when your dog Ruby needed specialist care. We understand why the application of multiple excesses and co-payments felt unfair. As outlined in our policy terms, excesses are applied per condition, per policy year, based on how conditions are defined and submitted by the treating vet. Our intention is always to apply the policy terms fairly and consistently, however we recognise that in some cases this can be complex and open to interpretation. We respect the outcome of your complaint and the decision made by the Financial Ombudsman Service, and we are pleased that a resolution was reached for you. Thank you again for sharing your experience and we wish Ruby all the very best in her recovery.
The lady I spoken to was polite and I…
The lady I spoken to was polite and I could understand her. She answered all my questions no problems
30 March 2026
Reply from Lifetime Pet Cover
Hi Stuart, we are really pleased to hear that our team member was polite and able to answer all your questions. Thank you for taking the time to share your experience 😊
QUICK AND EASY SITE TO USE VERY CLEAR
29 March 2026
Reply from Lifetime Pet Cover
Thank you very much for your feedback. It is great to hear you found our website quick, easy to use and clear. Thank you for choosing us!
Reply from Lifetime Pet Cover
Thank you for your feedback Paul 😊 We are really pleased to hear you found it to be a great deal. We appreciate you choosing us to protect your pet.
I spoke to Tira in customer service
I spoke to Tira in customer service, she was very knowledgeable,helpful, polite, patient and cheerful. She helped me to choose and set up the correct insurance for my three pets, she was very efficient, and soon had my pets insurance sorted. I was very pleased and relieved to have had her help, I think the insurance itself was very reasonably priced considering it was for all three pets and I would say the equivalent to fully comprehensive, it even covered dental. The amount of coverage to pay for vet fees incase of accident or illness was a lot higher than other insurers at a similar price, all in all I am extremely pleased with Lifetime and Tina's help.
23 March 2026
Reply from Lifetime Pet Cover
Thank you so much for your lovely feedback 😊 We are thrilled to hear that Tira was able to guide you through choosing the right cover for all three of your pets and made the process efficient and clear. It’s great to know you are happy with the level of coverage, including the dental cover. We will be sure to pass your kind words on to Tira - it means a lot to our team to hear feedback like this. Thank you for choosing Lifetime Pet Cover!
20% increase in premium for no reason.
20% increase in premium on a lifetime policy for a three year old dog with no claims. Not good.
26 March 2026
Unprompted review
Reply from Lifetime Pet Cover
Hi Dom, thank you for your feedback. We understand a premium increase at renewal can be unexpected, especially when you haven’t made a claim. Like other pet insurers, we cannot offer a fixed premium and the cost of insuring a pet will often only ever increase as a pet gets older, becomes more likely to become unwell and the continuing rise in the cost of getting pets treated. Premiums are reviewed regularly and are influenced by several factors including where your pet lives and changes in claims trends. While we always aim to keep our pricing fair, competitive and accurately reflect each customers individual circumstances, these factors will lead to increases even where no claims have been made. Thank you for taking the time to share your feedback -we are here if you would like to discuss your policy or options.
Easy to follow re website
Easy to follow re website. Not complicated at all and very competitive quote.
23 March 2026
Reply from Lifetime Pet Cover
Hi Sheila, thank you for your feedback! We are really happy to hear you found the website easy to follow and straightforward to use and you received a competitive quote. Thank you for choosing us 😊
So easy and quick to use
This website was so quick and easy to follow. Price was great too. All done and dusted without complications or hassle 👍
21 March 2026
Reply from Lifetime Pet Cover
Thank you for your feedback Shirley 😊We are really pleased to hear you found the website quick and easy to follow, and that the price was great too. It’s great to know everything was simple and hassle-free for you. Thank you for choosing us to protect your pet.
Reply from Lifetime Pet Cover
Hi Gary, thank you for your feedback. It is great to hear you found the service fast and efficient. Thank you for choosing us and taking the time to share your experience.
Quick and easy to apply
17 March 2026
Reply from Lifetime Pet Cover
Hi Toni, thank you for your feedback! We are really pleased to hear you found the application quick and easy. We really appreciate you choosing us to protect your pet.
Excellent company excellent customer…
Excellent company excellent customer service skills by staff always quick to answer calls and staff are very helpful . Thank you
6 March 2026
Reply from Lifetime Pet Cover
Thank you so much for your kind feedback Mandy! We are delighted to hear you’ve had such a positive experience with our team and that your calls have been answered quickly. It’s wonderful to know our team have been helpful and provided excellent customer service. We really appreciate you taking the time to share this.
Easy to update Pet cover details
I have ongoing pet insurance for my dog through this company and unfortunately he's recently put on weight (puts him in the 20kg+). I sent an email on the Monday & on Wednesday morning got an email with the updated pet insurance certificate with no increase in premiums (which set my mind at peace). Quick & reliable service
11 March 2026
Reply from Lifetime Pet Cover
Hi Tracey, thank you for your lovely feedback! We are glad to hear the update to your dog’s policy was handled quickly and that receiving the updated certificate gave you peace of mind. It’s great to know you found the service quick and reliable 😊
Reply from Lifetime Pet Cover
Hi Ann, thank you for your feedback. We are really pleased to hear that setting up your dog’s policy was so easy and that you were happy with the price. We appreciate you choosing us to protect your dog 😊
Very good online service with excellent…
Very good online service with excellent cover for my pet. I found the prices very competitive, cheaper by £73 than my renewal with better cover.
10 March 2026
Reply from Lifetime Pet Cover
Hi Peter, thank you for your feedback. We’re delighted to hear you found the online service easy to use and that the cover offered great value for your pet. It’s great to know we could provide better cover at a more competitive price. We really appreciate you choosing us.
Easy and straight forward with no…
Easy and straight forward with no problems signing up at all.
6 March 2026
Reply from Lifetime Pet Cover
Hi Jay, thank you for your feedback. It is great to hear that signing up was easy and straightforward with no issues. Thank you for choosing us to protect your pet.
Initial concerns but great experience once sorted.
Having initially completed my quote online I had to contact by telephone as there was not confirmation of purchase except for a direct debit mandate. On contacting by telephone I was told the policy had not been set up which was concerning as if I hadn't contacted then I would have been left uninsured.
I have given a 5 star review because of the way I was dealt with during the call, the person who discussed everything with me explained fully, including what is, and is not, included, costs, dates of direct debit etc, and was polite and knowledgeable throughout.
9 March 2026
Reply from Lifetime Pet Cover
Hi Mark, thank you for sharing your experience and bringing this to our attention. We’re sorry to hear about the issue you experienced when setting up your policy online and we understand why this would have been concerning. It does sound like an error occurred during the application process and we apologise for the confusion caused by receiving a direct debit mandate without confirmation of the policy being set up. We’re glad you contacted us so our team could identify the issue and ensure everything was arranged correctly. We really appreciate your patience while this was resolved and thank you for the kind feedback about our team, we really appreciate it.
Simple to apply and understand the…
Simple to apply and understand the policy - good price with good cover for 2 dogs and happy so far
9 March 2026
Reply from Lifetime Pet Cover
Thank you for your feedback Patrick 😊 We are really pleased to hear you found the policy simple to apply for and easy to understand. It’s great to know you were able to get good cover for both of your dogs at a price you’re happy with. Thank you for choosing us to protect them!
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