LifetimeFlex

Lifetime pet insurance

LifetimeFlex – pet insurance to suit your pet’s needs and your budget

Lifetime pet insurance will cover your best friend throughout all of life’s adventures. With our LifetimeFlex policy, you can flex your amount of vet fee cover along with your fixed excess to get the cover your pet needs at a price that suits you.

Getting a quote for our LifetimeFlex lifetime pet insurance is quick and easy.

LifetimeFlex – benefits explained

This is our lifetime package of protection. It provides your pet with lifelong cover for ongoing illnesses and injuries. These are some of the highlights…

Vet fee cover flex between £2k-£12k

Choose the level of lifetime vet fee cover that suits your pet’s needs, replenished every year you renew.

Up to £3m third party liability

Cover to help with the legal side of things should your dog injure someone or cause damage to a third party’s property (dogs only).

Complementary treatment

Cover for your pet to access complementary therapy sessions as advised by your veterinary professional.

Holiday cancellation cover

If your pet became ill and you needed to cancel or cut short a planned holiday, you could recover your financial losses.

Advertising & reward costs

We’ll help you with the costs of reuniting you with your lost pet for advertising and any rewards fees for their safe return.

Pet helplines

You’ll get access to a number of pet helplines. Whether you need help with counselling or pet legal matters, we’re here to offer a helping paw.

Boarding & kennel fee cover

If you become unwell and staying in hospital for 4+ days, we’ll pay towards the costs of your pet minder, kennels or cattery.

Emergency treatment abroad

We’ll help you with expenses (for things such as accommodation or transport costs) should your pet become ill or injured while you’re

LifetimeFlex – benefits

We like to make our lifetime pet insurance as flexible as possible. With many options to choose from, we’ve broken it down for you so you can quickly compare our pet insurance policy and benefits.

MiPet Cover Benefit
LifetimeFlex £2k & £4k
LifetimeFlex £6k & £8k
LifetimeFlex £10k & £12k
Product type
Lifetime per year
Lifetime per year
Lifetime per year
Vet’s fees Choose from
£2,000 or £4,000
per year
£6,000 or £8,000
per year
£10,000 or £12,000
per year
Including complementary therapies up to
£1,000
per year
£1,500
per year
£2,000
per year
Fixed excess Per condition, per year
Choose between
£100-£200
Choose between
£100-£200
Choose between
£100-£200
Optional* variable excess Payable in addition to the fixed excess. *Once added, it cannot be removed for the lifetime of the policy. Variable excess is compulsory for dogs 6 years+ and cats 8 years+.
10%
10%
10%
Death from illness (max age 8)
£1,000
£1,500
£2,000
Death from accident
£1,000
£1,500
£2,000
Advertising
£750
£1,000
£2,000
Reward
£500
£750
£1,000
Loss by theft/straying
£1,000
£1,500
£2,000
Boarding & kennel fees
£750
£1,500
£2,000
Third party liability (Dogs Only)
£1M
£2M
£3M
Holiday cancellation
£1,000
£1,500
£2,000
Quarantine costs
£500
£750
£1,500
Loss of pet passport
£250
£250
£250
Emergency expenses abroad
£500
£750
£1,000
Repeat tick and Worming (If you're delayed returning to the UK)
£500
£750
£1,000
Helplines

Lifetime cover explained: New accidents and illnesses (conditions) are covered up to the specified financial limit in each policy term. If the limit is reached during the policy term, the cover stops until the policy is renewed. At the renewal date the limit is fully reinstated and the condition(s) will continue to be covered. This is subject to the insurer inviting the policy renewal and payment of premiums by the due date. No further cover will be provided beyond the cancellation or expiry date of the policy. Please be aware that you need to renew your policy each year for cover to remain in force. Like humans, our pets are more likely to be affected by illness as they get older. This means that every year your insurance premium will increase even if you haven’t made a claim. This increase will be significant if you have claimed. If your pet suffers an illness during the policy term you may find it difficult obtaining cover for these conditions from other providers.

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5% multipet discount