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
Company replied
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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Easy to set up and covered our needs
November 13, 2025
Reply from Lifetime Pet Cover
Hi Charlie, thank you for your feedback! We are really glad to hear the policy was easy to set up and that it gives you the cover you were looking for. Thank you for choosing us :)
Very polite
November 14, 2025
Reply from Lifetime Pet Cover
Hi David, thank you for your feedback! We are so pleased to hear you found our team polite :)
Great service
Just taken out a new policy over the phone. Customer assistant was extremely helpful and polite, will be bring my other dogs insurance over to LPC when it is up for renewal
November 13, 2025
Reply from Lifetime Pet Cover
Hi Paula, thank you for your lovely feedback! We’re so glad to hear your experience over the phone was helpful and pleasant. We look forward to welcoming your other dogs and we really appreciate you choosing us to protect your pets.
Good product Good fair price
Very quick and easy to get through any questions whilst setting up policies, a fair price for a change great to see
November 13, 2025
Reply from Lifetime Pet Cover
Hi David, thank you for your feedback! We’re really glad to hear that setting up your policy was straightforward and that you felt the price was fair. We’re happy to have you with us and appreciate you choosing us to protect your pet.
The website was set out in an easy way…
The website was set out in an easy way to choose how much you could pay ect.
November 12, 2025
Reply from Lifetime Pet Cover
Thank you for your feedback! We are really happy to hear you found the website clear and simple to use, especially when selecting the cover and price that suited you. Thank you for choosing us :)
Very quick and easy to set up and a…
Very quick and easy to set up and a very competitive price
November 11, 2025
Reply from Lifetime Pet Cover
Hi Marco, thanks so much for sharing your feedback! It’s great to hear the setup was nice and easy and that you were happy with the price. We really appreciate you choosing us to protect your pet.
Very quick and easy to contact when…
Very quick and easy to contact when using for a claim and always helpful
November 10, 2025
Reply from Lifetime Pet Cover
Hi Jade, thank you so much for your feedback. We are happy to hear that contacting us for a claim was quick and easy, and that our team was helpful throughout. We really appreciate you taking the time to share your experience.
Reply from Lifetime Pet Cover
Hi Glynn, thank you for your review - it is really great to hear you found our team helpful.
Haven't needed to use them yet in 2…
Haven't needed to use them yet in 2 years - thank the Lord ! Seem OK so far
August 18, 2025
Reply from Lifetime Pet Cover
Hi Alan, thank you very much for your feedback :) We are so pleased to hear your pet has stayed happy and healthy and great to know you’ve been happy with your cover so far. We really appreciate you choosing us!
Simple to proceed
Simple to proceed. Very easy form to complete and Certificate of Insurance received within minutes.
November 7, 2025
Reply from Lifetime Pet Cover
Thank you for your feedback! We are really pleased to hear you found the process simple and that you received your documents so quickly. We appreciate you choosing us :)
Reply from Lifetime Pet Cover
Thank you for your feedback! We’re so glad to hear you had a nice experience with our team :)
The renewal price was £40 more than was…
The renewal price was £40 more than was available on comparison websites for the same company and cover, I contacted them expecting them to honour the price to new customers however after some back and forth I had to cancel my policy and then create another, usually there are a team that are keen to retain customers, just seems odd and inconvenient.
November 4, 2025
Reply from Lifetime Pet Cover
Hi Beth, thank you for taking the time to share your feedback, we understand how this scenario can appear confusing.
Our prices are based on a range of risk factors - this helps keep our premiums fair and reflective of the true cost of providing comprehensive lifetime cover. You mentioned that the new policy was cheaper, this is because new policies come with several restrictions along with waiting periods before you can claim, that do not apply to renewing customers. By taking out a new policy, these restrictions apply to your policy again, which will reduce the cost, as there is less cover in the first policy year compared to a renewal - as our team would have explained when you spoke with them on the phone. Renewing your existing policy, on the other hand, allows your cover to continue seamlessly, meaning any signs or symptoms of a condition (whether diagnosed/treated, or not) that developed while insured with us, remain covered without any new exclusions or waiting times – which would not be the case on a new policy.
We’re really glad you chose to stay with us and thank you again for taking the time to explain your experience. We encourage feedback from our customers and always looking to improve what we do to give the best service we can.
Found the Internet bit difficult it set…
Found the Internet bit difficult it set up direct debit but not policy. Phoned up and spoke to Ben who was great and sorted it for me.
October 31, 2025
Reply from Lifetime Pet Cover
Hi David, thanks for sharing your experience! We’re sorry to hear the online setup was a bit tricky but we’re really glad to hear Ben was able to step in and get everything sorted for you. We’ll be sure to pass your kind words along to him!
Really easy to do
October 31, 2025
Reply from Lifetime Pet Cover
Hi Lisa, thanks for your feedback! We’re so pleased to hear you found the process easy - that’s great to know. We really appreciate you choosing us :)
Reply from Lifetime Pet Cover
Hi Mary, thank you very much for your feedback. We are pleased to hear you received a quick response when purchasing your policy. We really appreciate you choosing us to protect your pet :)
Very comprehensive cover
Very comprehensive cover, provided. The process of obtaining a quote was efficient and easy to use. I got the cover I wanted.
October 19, 2025
Reply from Lifetime Pet Cover
Hi Melanie, thank you for your feedback! We are so glad to hear you found the quote process easy and that you were able to get the cover you wanted. Thank you for choosing us :)
Don't touch.
EDIT..
Having now seen the reply it still does
Not help me. I am stuck as after paying out a large amount of vet fees I now have to find another large amount in premiums to continue to pay for insurance for a pet I do not have. How that is not fraudulent I dont know? Other providers do not operate like this and to anyone looking to insure your pets...think twice. All they have done is make the whole process difficult and hide behind the small print within the policy. I have made a complaint and of course as its an internal proceedure, my complaint was not upheld. They even got the reason for my complaint wrong!! Useless company.
I have.had this insurance for 6 years. Always paid by monthly direct debit. Sadly I lost my cat and needed to make a claim. I was expecting the remainder of the policy to be cancelled but I have found out that I have to continue to keep the policy for the rest of the year plus they will not consider my claim until the premiums have been paid in full. Even though the claim is for more than the remaining premiums. So they are now forcing to to commit fraud by insuring something I do not have plus they will not deduct the remaining premiums out of the claim. Totally unprofessional.
October 21, 2025
Unprompted review
Reply from Lifetime Pet Cover
Hi Sarah, we are so sorry to hear about the loss of your cat and understand how upsetting this must be.
We do understand your frustrations; however, both us and customers are bound by the terms and conditions of the policy and the contract of insurance. Under these terms, when a claim is successfully made, the premiums remain payable for the full policy year, even if the policy is cancelled due to the loss of a pet. As an alternative to paying the remaining premiums upfront, you can continue your monthly payments for the rest of the policy year. This isn’t a case of being asked to insure a pet you no longer have, but rather a way to maintain your original payment plan and spread the cost of the cover already provided. We understand how this can feel unfair at such a difficult time and are sincerely sorry for any additional upset this may have caused.
We would like to reassure you that we recognise this policy term hasn’t always provided the best experience for our customers. As a result, we have recently changed the underwriters of our product and under the new arrangements, any outstanding premiums can now be deducted directly from a claim in situations like this. We see this as an important improvement and regret that this option
wasn’t available under the terms of your existing policy.
If you’d like us to review your case in more detail, please contact our customer care team at hello@lifetimepetcover.co.uk or 020 3750 0022. We are here to support you, including helping you raise a formal complaint if you wish.
3rd year of being with Lifetime Pet…
3rd year of being with Lifetime Pet Cover. Premiums have increased year on year. I’ve never made a claim. Last time they auto renewed and a requested this didn’t happen this year, but it was still processed as though I’d accepted the invite. They were quick to cancel it down, but do remain vigilant about this. I’ve never claimed so literally can’t comment on the process, but I was unimpressed that when I went and quoted through their main website, it was cheaper than the renewal they had sent me - this was the cheapest quote I came across so I have stuck with them - but I don’t like companies that don’t reward loyalty.
October 7, 2025
Reply from Lifetime Pet Cover
Hi Andrea, thank you for taking the time to provide your feedback, we completely understand your concern about rising premiums. As pets age, the chance of needing veterinary care and the overall cost of that care typically increase, which is reflected in the yearly adjustment of premiums.
It’s important to note that our prices are always based on calculated risk factors rather than simply being increased for renewal customers. These risk-based adjustments help ensure our premiums remain fair and reflect the true cost of providing comprehensive cover. You mentioned that a new quote appeared cheaper than your renewal. A new policy will most likely always be cheaper, even when comparing the same pet details, because new policies come with cover restrictions that do not apply to renewals.
These include:
Any pre-existing condition that first occurred or showed symptoms before the policy start date, or within the waiting period (the first 14 days for an illness or disease, or the first 48 hours for an injury or accident).
Any costs associated with BOAS surgery within the first 6 months of the policy start date if your pet was under 2 years old when cover began.
Any treatment or complementary medicine for cruciate ligament issues within the first 30 days, as well as any arthritis or related conditions that develop from them.
With a renewal policy, your cover continues seamlessly meaning if your pet has developed any conditions during your time with us, these will remain covered, without new waiting periods or exclusions.
We appreciate you also highlighting your renewal experience, and we’re glad our team was able to quickly resolve the automatic renewal issue. We regularly review our pricing to ensure competitiveness, and we’re pleased to hear you still found our quote offered the best value for your needs. We really do appreciate your loyalty and are grateful to have you and your pet with us.
Super helpful staff
Super helpful staff, patient and genuinely interested in helping.
October 1, 2025
Reply from Lifetime Pet Cover
Hi Lee, thank you for your kind feedback! We’re delighted to hear our team were helpful, patient, and supportive. We really appreciate you taking the time to share your experience and for choosing us to protect your pet.
Reply from Lifetime Pet Cover
Thank you for your review :) We’re glad to hear you’re happy with your policy and the price. We really appreciate you choosing us.
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