
What does Life time cover actually mean?
It doesn’t mean that once you have pet insurance your pet will be covered for life. But do ask your insurer if cover will end once your pet reached a certain age.
No, "lifetime insurance" means that where your pet gets a condition that may take some years to treat - such as diabetes or arthritis - a "lifetime" policy will cover that condition for more than the first 12 months. Non-lifetime policies will cover a condition for only up to 12 months; after that you have to pay. Other insurers will give you a financial limit to cover all conditions occurring in a year, that's why some policies appear so cheap.
But it's not as simple as that! There are different types of lifetime policy. Some will give a certain amount of cover per condition but there is no time limit on when that cover may be used. Once the financial limit is reached then cover for that condition will end
Full lifetime cover - such as Animal Friends Gold and Platinum policies - will give you a certain amount per condition per year; that means you would be able to claim up to the financial limit (e.g. £4000) each and every year for each condition.
So its worth reading the small print to see exactly what you are getting rather than just looking at the bottom line monthly premium!
There’s more to pet insurance than the bottom line premium so do look at the small print or quiz your insurer before you buy!

Lifetime Pet insurance cover is essential if your pet were to develop an ongoing condition such as diabetes or arthritis which can be quite common. These conditions would require treatment year after year.
AFI's Gold Standard Policy cover will give you up to £2000 cover on a "per condition, per year" basis. That increases to £4000 if you take out their Gold Super Cover to a maximum benefit of £6000 per condition per year with their Platinum Super Policy.
So if your pet is diagnosed with an ongoing condition in year one you will get the same amount of cover for that same condition the next year and for every year thereafter as long as you renew your policy - See the difference?
AND whats more.....when taking out a policy with AFI you are helping animals less fortunate as they are the only UK pet insurance company to donate 100% of their net profits to help animal charities worldwide.
Click below and to get your quote now and find out how cheap LIFETIME cover really can be. We think you will be pleasantly surprised.
