The call centre was excellent Tom sorted my pet insurance out as I couldn't manage with online. Went through policy with me also sending postal copy ad well as online for ease of reading. Would recomm... 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 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
Company replied
My dog got really sick and had treatment clocking up to £2700 over the course of 4 days. The claim process was easy with the vets providing all the paperwork directly to lifetime pet cover. The claim... See more
Company replied
Had to phone up today regarding my renewal for my 2 dogs and spoke to Tom, he said he was from the Customer Service team. He was extremely helpful and answered my questions and explained everything... 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 86% of negative reviews
Typically replies within 48 hours
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Website was easy to use and good…
Website was easy to use and good explanations of all covers available
April 16, 2026
Reply from Lifetime Pet Cover
Thank you for your feedback! We’re delighted to hear that you found the website easy to use and that the cover options were clearly explained. It’s great to know you had a positive experience setting up your policy. Thank you for choosing us to protect your pet 😊
Easy to find and understand
Easy to find and understand.
Much better price than the one I had!
April 14, 2026
Reply from Lifetime Pet Cover
Thank you for your feedback! We’re really pleased to hear that you found everything easy to find and understand. Thank you for choosing us to protect your pet 😊
Cover is what I wanted no fuss no…
Cover is what I wanted no fuss no jargon just up front policy
April 14, 2026
Reply from Lifetime Pet Cover
Thank you for your feedback! We’re delighted to hear that the cover was exactly what you were looking for and that you found the policy straightforward and easy to understand. It’s great to know you appreciated our clear and upfront approach. Thank you for choosing us to protect your pet 😊
It was very clear and easy to set up a…
It was very clear and easy to set up a new policy for my kitten
April 14, 2026
Reply from Lifetime Pet Cover
Thank you for your feedback! We’re delighted to hear that setting up a new policy for your kitten was clear and easy. Thank you for choosing us to protect your pet 😊
Spot on very clear…
The assistant on the phone was knowledgeable and very helpful with a very pleasant manner.
April 13, 2026
Reply from Lifetime Pet Cover
Thank you for your feedback! We’re really pleased to hear that our team member was knowledgeable and very helpful, and that you had such a pleasant experience over the phone. We truly appreciate you taking the time to share this and for choosing us to protect your pet 😊
Tom was absolutely brilliant
Tom was absolutely brilliant , he answered all my queries and was very honest and very helpful.
Definitely recommend and was brilliant to be able to speak to someone who didn’t mind answering the silliest questions. He was very thorough and helpful . A credit to Lifetime Pet
April 13, 2026
Unprompted review
Reply from Lifetime Pet Cover
Thank you for your feedback! We’re absolutely delighted to hear that Tom was able to support you so well and answer all your questions thoroughly and honestly. It’s wonderful to know he made you feel comfortable asking anything and provided such a helpful and reassuring experience. We really appreciate your recommendation and kind words, and we’ll be sure to pass your feedback on to Tom – he’ll be very pleased to hear this. Thank you for choosing Lifetime Pet Cover😊
Easy site to use and seems to be good…
Easy site to use and seems to be good cover at a good price
April 6, 2026
Reply from Lifetime Pet Cover
Thank you for your feedback! We’re really pleased to hear you found the website easy to use and that you feel the cover offers good value at a competitive price. We really appreciate you choosing us to protect your pet 😊
Straight forward application
April 10, 2026
Reply from Lifetime Pet Cover
Thank you for your feedback! We’re pleased to hear you found the application process straightforward and easy to complete. Thank you for choosing us to protect your pet 😊
Quick and easy to buy policy at a great…
Quick and easy to buy policy at a great price. Happy to help telephone staff.
April 7, 2026
Reply from Lifetime Pet Cover
Thank you for your feedback! We’re really pleased to hear that you found the process quick and easy and that our pricing met your expectations. It’s great to know our telephone team provided a positive experience - We will share this feedback with them. Thank you for choosing us to protect your pet 😊
Excellent Customer Service from Tom
Had to phone up today regarding my renewal for my 2 dogs and spoke to Tom, he said he was from the Customer Service team.
He was extremely helpful and answered my questions and explained everything clearly. Absolute credit to your company and would happily recommend Tom to help with any queries.
Have a great day!
April 7, 2026
Unprompted review
Reply from Lifetime Pet Cover
Hi Michelle, thank you so much for your fantastic feedback! We are delighted to hear that Tom was able to help you with your renewal and provided such clear and helpful support. It’s great to know he made the process easy and left such a positive impression. We truly appreciate you sharing your experience thank you for choosing us to protect your dogs. Have a great day too! 😊
Reply from Lifetime Pet Cover
Hi Teresa, thank you for your feedback. It is great to hear you found the process easy to follow with clear instructions when setting up your policy. Thank you for choosing us 😊
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.
April 2, 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
March 31, 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!
March 17, 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
March 30, 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
March 29, 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.
March 23, 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.
March 26, 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.
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