Lifetime pet insurance

The decision to get lifetime pet insurance or an alternative type of cover is down to you. While our lifetime cover is the most comprehensive pet insurance, it may not necessarily meet your needs and could prove expensive compared to other cover types.

However, as an inclusive form of cover, it does offer that extra peace of mind that your vet fee limits reset every year and new conditions won’t be excluded. To help you decide, try doing a comparison across the different types and get some pet insurance quotes to give you an idea on affordability.

You should be aware that your premiums will go up every year, and some of the rises can be significant. We’re not making a recommendation, just giving you all the information on all the different covers so you can make the choice.

Please note, if you are looking to get rabbit insurance, we only offer lifetime cover.

Across our different types of pet insurance there are fundamental similarities, here’s where lifetime cover stands:

New accidents and illnesses covered

Vet fee limits renew annually

No time limits on conditions

Ideal for accidents, short illnesses and ongoing conditions

• Pre-existing conditions are not covered
• Routine care like vaccinations or procedures like neutering are not covered
• Cover is typically more expensive than maximum benefit or time limited
• If you reach the vet fee limit within the year, you’ll need to cover the costs of further treatment

What’s best for one person, may not be for another. Think about it. The best pet insurance should be one that looks after the needs of you and your pet now and in the future. That’s not just when it comes to paying out claims but also making sure the cover is there when you need it, and it’s affordable in the years to come.

Across the ‘tiers’ of pet insurance, sitting at the top is lifetime, and from this position, you could consider this to be the best. Now we can’t recommend one product over another, you need to think about all the different covers and what they mean to you and your pet.

If you’re unsure on the best insurance for your pet, take your time, read about each type, and consider your pet’s breed, their age and their medical history etc. Put all that knowledge together, and you should be able to conclude which is the best pet insurance for you and your pet.

Multi-pet discount is a minimum of £24 when insuring more than one pet as this is worked out at £1 per pet per month. Pets can have different cover levels. Discount deducted separately from any other offer.

Argos Limited is an Appointed Representative of Home Retail Group Insurance Services Limited (HIS). HIS is authorised and regulated by the Financial Conduct Authority (register number 314050). Registered office: 33 Holborn, London, EC1N 2HT (registered in England and Wales, no 04109436).  HIS act as an introducer to Pinnacle Insurance plc, who sell, administer and underwrite the policy and who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX (registered in England and Wales, no 01007798) . HIS and Pinnacle Insurance plc are not part of the same corporate group.