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
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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
How this company uses Trustpilot
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Reply from Lifetime Pet Cover
Thank you for your feedback! We’re really glad to hear you found everything easy to fill in. Thank you for choosing us 😊
Reply from Lifetime Pet Cover
Hi Kate, thank you for your kind feedback! We’re so pleased to hear you found our staff lovely and that you feel reassured by your cover. That peace of mind is exactly what we aim to provide.
French Bulldog owners - dont bother!
the company offers french bulldog owners a competitive price. You would think that as your paying 5x the rate of other dogs that the risks of having a french bulldog are priced in. But they are not, they claim they do not cover congenital issues as they are pre existing. Nearly every french bulldog problems is congenita.. they do not class these issues as charicteristic traits even though they all have them. basically just scamming you as they have a get out clause in the small print. Its just normal DOG insurance that you pay 5x more as its a french bulldog but will not cover french bulldog problems.
December 4, 2025
Easy to set up and call handler very…
Easy to set up and call handler very friendly and courteous, very supportive and customer service brilliant.
Thankyou.
February 4, 2026
Reply from Lifetime Pet Cover
Hi Donna, thank you so much for your lovely feedback! We’re delighted to hear you found the policy easy to set up and that our call handler was friendly, courteous, and supportive. It’s wonderful to know you had such a positive experience with our customer service. Thank you for choosing us 😊
I’m new to the company but thought it…
I’m new to the company but thought it offered the best cover
February 2, 2026
Reply from Lifetime Pet Cover
Hi Joanne, thank you for your review and for choosing us 😊 We are really pleased to hear you are happy with the cover and we hope it gives you peace of mind going forward.
Only just signed up… will review in one…
Only just signed up… will review in one year’s time🤷♀️
January 26, 2026
Reply from Lifetime Pet Cover
Thank you so much for choosing us 😊 We will be here if you need any help and we look forward to hearing how you get on.
Clear purchase
January 26, 2026
Reply from Lifetime Pet Cover
Hi Linda, thank you for your review! We appreciate you choosing us to protect your pet and taking the time to share your feedback.
It was quick and easy and the customer…
It was quick and easy and the customer service was polite and friendly
January 27, 2026
Reply from Lifetime Pet Cover
Hi Gary, thank you for your feedback! We are pleased to hear you found everything quick and easy and that our customer service team were polite and friendly. We really appreciate you choosing us.
Very helpful.
January 23, 2026
Reply from Lifetime Pet Cover
Thank you for your review! We are glad to hear you found the service very helpful and appreciate you taking the time to share your feedback.
Easy system to use
January 24, 2026
Reply from Lifetime Pet Cover
Hi Colin, thank you for your feedback. We really appreciate you choosing us for your pet’s cover.
I originally submitted all my details…
I originally submitted all my details to lifetime pet cover through a price comparison site.
I received confirmation of the direct debit mandate immediately, however, I received no confirmation or documents from Lifetime Pet Cover.
So after two days I phoned Lifetime Pet Cover, and was informed that there were issues with people arranging Pet cover through the comparison site and no record of my Pet's cover existed.
I was advised to cancel the direct debit and apply again, this time through Lifetime Pet Cover's own web site.
This time everything worked as it should, and the process of setting up the insurance was a positive one.
January 22, 2026
Reply from Lifetime Pet Cover
Hi Shaun, thank you for taking the time to share your experience. We are sorry for the technical issue you encountered when applying through the comparison site and understand how confusing that must have been, especially after receiving confirmation of the direct debit.
We are grateful you contacted us so we could investigate and explain what had happened and help you get everything set up correctly. Thank you for your patience while this was resolved, and we are pleased to hear that applying directly through our website worked smoothly and that the overall experience was a positive one in the end.
We really appreciate you choosing us to protect your pet.
It is painful to write this but it’s a…
It is painful to write this but it’s a warning to others. Their underwriters Trent are good. It seems to change each year which adds a host of frustration and putting our dogs life sustaining treatment at risk! This is because even though agreed previously, each time the underwriter changes they say it has to be reassessed.
The customer service agents are kind but the company are not at all customer focused. Changes to direct debits, not able to choose a date of payment, literally no flexibility at all to support customers. Even the complaints process is weighted in their favour and do not follow the direct debit guarantee! Their answer is to cancel your policy which is so bizarre! Apparently they only offer such support for vulnerable customers - Great service Lifetime Pet Cover - Not.
Such a shame because it could be so much better to listen to your customers and their beloved family pets.
January 12, 2026
Unprompted review
Reply from Lifetime Pet Cover
Hi Roger, thank you for taking the time to share your feedback. We’re genuinely sorry to hear how frustrating your experience has been, particularly as it involves treatment that’s so important to your dog’s wellbeing. We appreciate your kind words about our customer service team and we’re sorry that overall you’ve felt let down. Changes to claims handling or underwriting arrangements can understandably cause concern, and we recognise how difficult it can feel when assessments are revisited. We would really encourage you to contact our customer care team at hello@lifetimepetcover.co.uk or on 0203 750 0022 as we can’t look into specific policy details on this platform, but we’d like the opportunity to review your concerns properly and see how we can help. Your comments regarding payment flexibility, direct debit options, and the complaints process are important, and we’ll be sharing this feedback internally. Listening to our customers and improving where we can is something we take seriously, and feedback like yours helps highlight where we need to do better.
Reply from Lifetime Pet Cover
Thank you for your feedback! We’re really pleased to hear you found the process quick, easy, and simple. Thank you for choosing us :)
Reply from Lifetime Pet Cover
Hi Jacqueline, thank you for your feedback. We’re delighted to hear our team was helpful and polite when assisting you with changing your policy details. We really appreciate you choosing us and are here if you need any further help.
Good experience
January 15, 2026
Reply from Lifetime Pet Cover
Thank you for your feedback! We’re glad to hear you had a good experience and appreciate you choosing us to protect your pet.
ive already reveiwed one once but i…
ive already reveiwed one once but i want to reveiw the policy for life. My dog was diagnosed with heart problems a few months ago and now has to have medication .Up to before christmas they were pretty good as its an on going condition but on the 18/dec i wanted to make sure my dog didnt go short of meds over christmas .The bill came to £171 approx which the vet submitted the claim .however later the claim was declined as they said the claim was below the £200 excess which id previously paid the new policy started on the 4/5 November but because they said it was in between policy years they wouldnt pay the claim as it was under £200 so in effect to me theyre treating it as a new claim even though its an on going condition this too me is a rip off .Ive written 2 complaint e-mails which have not been replied to
December 18, 2025
Unprompted review
Reply from Lifetime Pet Cover
Hi Alison, thank you for taking the time to share your experience again. We’re very sorry to hear about your dog’s health issues and understand how worrying it must be when you’re trying to ensure they don’t go without essential medication, especially over the Christmas period.
Like many other providers, our policy excesses apply per condition, per policy year. This means when a policy renews, any applicable excesses become payable again, even if they were paid in a prior policy year and includes claims for ongoing conditions that continue into another policy year. We understand the timing of your claim in relation to your renewal date can feel frustrating and disappointing, especially when treatment is continuous but we do our best to explain how our excess terms apply to everyone at multiple points of contact to ensure this is understood.
We’re are concerned to hear that you’ve sent two complaint emails and haven’t received a response - from this review we can't identify your details to check on our side, and it isn't clear if you have emailed us directly or the claims handler. That’s not the level of service we aim to provide. Please contact our customer care team directly at hello@lifetimepetcover.co.uk or on 020 3750 0022, and we can make sure your complaints are logged, reviewed, and responded to, as well as clarify how the excess has been applied in your case.
I found some of the process a little…
I found some of the process a little odd as it kept jumping about. This is especially with setting up payments
January 15, 2026
Reply from Lifetime Pet Cover
Hi Janet, thank you for your feedback. We’re sorry to hear that parts of the process felt a little confusing, It sounds like there may have been a technical issue as this isn’t the experience we would expect. Thank you for your patience and for choosing us to protect your pet :)
Reply from Lifetime Pet Cover
Hi Paul, thank you for your feedback! We’re thrilled to hear you’re happy with both our service and your policy. We really appreciate you choosing us to protect your pet :)
New pet policy
I can only review on taking out the policy as thankfully haven't needed to make a claim. The process was straightforward.
January 9, 2026
Reply from Lifetime Pet Cover
Hi Anne, thank you for your feedback. We are glad to hear that taking out the policy was straightforward. We hope your pet stays happy and healthy and we’ll be here to support you if you ever need to make a claim in the future. Thank you for choosing us.
Reply from Lifetime Pet Cover
Hi Sarah, thank you for your kind feedback! We are delighted to hear you experienced great customer service and found the process efficient. It’s lovely to know our team could make things straightforward for you 😊
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