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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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.
Looking for Dog Insurance
Found getting a policy very easy and a lot cheaper than my previous insurer
October 13, 2025
Reply from Lifetime Pet Cover
Hi John, thank you very much for your feedback. We’re really glad to hear you found setting up your policy easy and that we could offer you a more affordable option than your previous insurer. We really appreciate you choosing us to protect your dog!
Reliable & trustworthy.
In my experience they are a reliable & trustworthy company.
Phone calls are answered quickly.
Staff are very helpful and friendly.
Claims are settled promptly.
I would recommend Lifetime Pet Cover.
October 9, 2025
Reply from Lifetime Pet Cover
Hi Carol, thank you so much for your lovely review and recommendation! We’re really happy to hear you’ve found our team helpful and friendly, and that your claims have been handled promptly. It means a lot to know you see us as reliable and trustworthy. Thank you again for choosing us :)
Lost my pet due tragic accident
Lost my pet due tragic accident, was asked to pay maintaining amount of my cover, otherwise they won't release my claim..had to pay for the rest of my few months of the cover. Wouldn't recommend to anyone! Didn't get any update until I rang them myself, plus trying in any possible way not to pay for the claim. Discrase.
October 5, 2025
Unprompted review
Reply from Lifetime Pet Cover
Hi Julija, we are very sorry to hear about the loss of your pet, we understand how difficult and upsetting this time must be. Thank you also for sharing your feedback regarding your claim experience.
To clarify, if a claim has been made on a policy and it is cancelled for any reason before the policy renewal date, the full annual premium becomes payable, as outlined in our policy documents. This is because the policy has been used and cover provided.
We are also sorry to hear you didn’t feel kept informed. Our aim is to keep customers updated at every stage, and we’ll take your feedback on board to improve communication. If you would like to discuss your experience further, please contact our customer care team at hello@lifetimepetcover.co.uk or 020 3750 0022. We are here to support you, including assisting with raising a formal complaint if you wish.
Competitive price for pet insurance and…
Competitive price for pet insurance and excellent cover.
October 9, 2025
Reply from Lifetime Pet Cover
Hi John, thanks so much for your feedback! We're really glad to hear you’re happy with both the price and the level of cover - that’s exactly what we aim to offer. Thanks for choosing us to protect your pet!
Just don't
I’ve been with Lifetime Pet Cover for over five years, paying thousands in premiums the entire time. The first and only time I tried to make a claim has been an absolute nightmare.
I’ve been given the runaround for months between Lifetime Pet Cover and their underwriter, with neither party taking responsibility or providing clear answers. My claim hasn’t been processed, communication has been awful, and at one point their paperwork even stated my dog had died at a point I wasn't at home.
To make things worse, my policy was suddenly renewed under a completely different underwriter with a higher premium, all while my original claim and complaints remain unresolved.
After five years of loyalty, this experience has shown me that this policy was a complete waste of money and time. Avoid this company – the moment you actually need them, you’ll discover how poor their service really is.
October 1, 2025
Unprompted review
Reply from Lifetime Pet Cover
Hi Daniel, Thank you for taking the time to share your experience. We understand that you are currently going through our complaints process and appreciate your patience while this is ongoing. While our investigation continues, we would like to provide some clarity regarding your policy renewal.
Like other providers, we have a regulatory duty to ensure that coverage remains continuous for our customers and that any eligible claims continue to be protected. To support this, we send renewal invitations ahead of the renewal date, outlining any changes and giving customers time to decide if their policy still meets their needs and their pet’s needs. Although we have recently changed the insurer behind our products, this is not the reason for any increase in your renewal premium. Premiums increase each year due to the natural rise in risk as pets age, and we aim to be as transparent as possible about this.
We acknowledge that there have been frustrations and shortcomings in the handling of your claim and in the communication you’ve received. This is not the standard of service we strive to provide, and we are genuinely sorry for the distress and inconvenience it has caused.
Please be assured that your concerns are being taken seriously, and our team will continue to work with you to reach a fair and satisfactory outcome.
Reply from Lifetime Pet Cover
Hi Clive, thank you for your feedback! We’re so glad your enquiry was handled promptly and that our team member was helpful and knowledgeable. We really appreciate you taking the time to share your experience!
Brilliant customer service
Brilliant customer service. I needed to add a new puppy. Spoke to Riley who was brilliant at his job and lovely to deal with.
October 7, 2025
Unprompted review
Reply from Lifetime Pet Cover
Thank you so much for your kind words! We’re thrilled to hear Ryley gave you such great service when adding your new puppy, we have passed your feedback on to him :) Wishing you and your puppy all the best!
Great News! They have gone back to previous underwriters
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 procedure to get the support I needed
Just received my renewal to find they have gone back to the previous underwriters (thankfully). My boy is nearly 9 & the renewal is just over £50 (we do claim every year as he takes daily medication) which has only gone up by £6pm & excess is the same.
I will be claiming in November again for his Meds, so will update my review after claiming
October 7, 2025
Unprompted review
Reply from Lifetime Pet Cover
Hi Tracey, thank you so much for taking the time to leave another review and share your experience. We’re so pleased to hear you’re happy with your renewal and the return to our previous underwriters - we know this change has been welcomed by many of our long-time customers. It’s great to know you are happy with your renewal, and we really appreciate your loyalty over the years.
Good quote.Just awaiting policy details
October 2, 2025
Reply from Lifetime Pet Cover
Hi Margaret, thank you for your feedback! Your policy information should have arrived by email by now, if it hasn’t then please give our customer service team a call on 02037500022 or drop us an email at hello@lifetimepetcover.co.uk so we can help you with this. Thank you for choosing us to protect your pet.
Very clearly explained insurance cover
October 4, 2025
Reply from Lifetime Pet Cover
Thank you so much for taking the time to leave your feedback. We are delighted to hear you found the cover clearly explained as that is exactly what we aim for. We really appreciate you choosing us to protect your pet.
Overall best cover
October 1, 2025
Reply from Lifetime Pet Cover
Hi Karen, thank you for your feedback! We are so pleased to hear you are happy with the cover. Thank you for choosing us to protect your pet :)
Ryley- great customer service.
My coverage was renewed, but there was a problem with the direct debit, and two months' payments did not go through. Meanwhile, my pet had an accident that required expensive surgery. At the time, I didn't realise there was an issue with my direct debit. I contacted the company, and Ryley, a customer support specialist, was amazing. He took my details and managed to resolve the issue. The customer service was excellent, and he was a pleasure to talk to.
October 3, 2025
Unprompted review
Reply from Lifetime Pet Cover
Hi Angela, thank you so much for taking the time to share your experience. We’re so pleased to hear that Ryley was able to help resolve the issue quickly and that you received the level of care and support we always aim to provide. We will be sure to pass your kind words along to him - he will be delighted to know he made a difference. We really appreciate your patience and understanding, and we are glad everything got resolved smoothly!
Was looking for a quote but excess is high.
Was looking for a quote and although the monthly cost seemed reasonable the excess is £195! Other companies offer £69 or less...
October 2, 2025
Unprompted review
Reply from Lifetime Pet Cover
Hi Adrian, thank you for your feedback. The excess is in place to help keep monthly premiums affordable. We know every pet owner’s needs are different, and other insurers may offer different combinations of excess, co-insurance, and premiums. What matters most is finding the cover that feels right for you and your pet, and we truly hope you find the best fit. We really appreciate you considering us and wish you all the best.
Very good price and easily set up…
Very good price and easily set up online. Expert sellers. Thanks
September 28, 2025
Reply from Lifetime Pet Cover
Thank you very much for your feedback. We’re delighted to hear you found the price good and the online setup easy. We really appreciate your kind words and for choosing us to protect your pet.
Reply from Lifetime Pet Cover
Thank you for your review! We’re glad to hear you found the process easy and simple. We really appreciate you choosing us to protect your pet.
Reply from Lifetime Pet Cover
We’re really glad to hear you’re happy, thank you for choosing us!
Easy to set up cover and had my query…
Easy to set up cover and had my query dealt with swiftly and efficiently
September 23, 2025
Reply from Lifetime Pet Cover
Thank you for your review! We’re so pleased to hear you found the cover easy to set up and that your query was handled quickly and efficiently. Thank you for choosing us to protect your pet :)
Stay well away
No star at all
This is a warning to all pet owners considering pet insurance Stay well away from this company unless you are willing to read pages and pages of terms and conditions in which you will find that you have no rights, very little opportunity to make claims and cannot even cancel your policy without paying the full
Years premium We were told that this company were taken over by a new underwriter who completely re wrote their terms and conditions to make it virtually impossible to claim They are underhand slow dismissive and don’t care and quote the terms and conditions all the time beware the small print This is a cowboy company and should be struck off Stay well away
July 10, 2025
Unprompted review
Reply from Lifetime Pet Cover
Hi Cameron,
Thank you for sharing your feedback. We’re genuinely sorry to hear about your frustrations and understand how these situations can be difficult.
It isn’t clear from your review whether your concerns relate to a claim, a cancellation, or the terms and conditions in general. If you are currently experiencing difficulty with a claim or cancellation, our customer service team is ready to assist. If you do not receive a satisfactory outcome, we can raise a formal complaint on your behalf, or if you prefer you can raise a formal complaint with us directly, so we can fully investigate and address your concerns.
Terms and Conditions
We understand insurance documents can feel lengthy, but like all insurers this is to ensure full transparency and explains to our customers exactly how our policies work. The policy wording forms part of the insurance contract customers sign up to whenever a policy is purchased or renewed and details what is covered and what isn’t. We give 14 days both once a policy starts and then again at every renewal for customers to review the policy terms and conditions, where any changes to the prior year are explained and decide if the policy is right for them or not.
Cancellations
If a claim has been made during a period of insurance and is then cancelled for any reason before the policy is set to renew, the full year’s premium is payable, as the insurance policy has been used and coverage has been provided. If no claim has been made in a period of insurance, you can cancel within the first 14 days of the policy starting to receive a full refund. After this period, refunds are calculated on a pro-rated monthly basis for the time cover was provided.
New Underwriter
Any changes to our policies upon renewal are designed to provide clear, fair, and transparent coverage - never to make claiming more difficult. We would greatly value hearing more about any specific challenges you’ve experienced with claiming, so we can address them directly.
Our customer service team is available to help by email at hello@lifetimepetcover.co.uk or by phone on 0203 750 0022 (Mon – Fri 9am – 5pm).
We hope to hear from you soon so we can support you.
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