Lifetime pet insurance with free dog training, 24/7 vet helpline
Protect your pet with Fluffy's Lifetime pet insurance. Benefit from up to £10,000 in coverage, free dog training sessions, and 24/7 online vet support.
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Get a personalised quote today!
You can find out more about the policy by reading the Insurance Product Information Document and Policy Document.
Strelka LTD, trading as Fluffy, Firm Reference No. 986188, is an appointed representative of Innovative Risk Labs Ltd, which is authorised and regulated by the Financial Conduct Authority, Firm Reference No. 609155.
Explore the benefits of Fluffy's Lifetime pet insurance
Veterinary fees
Up to £10k
Get inclusive coverage for all veterinary costs, including surgeries and medicines.
Complementary Treatment
Up to £750
Third-party liability
Up to £2M
Stay covered for expenses if your pet causes injury to a person or another animal.
Dental Treatment (Accident)
Up to £750
Receive dental care coverage essential for treatments stemming from accidents.
Overseas Travel
12 Months
Benefit from the same extensive veterinary coverage during your pet’s EU travels as you would receive in the UK.
Enjoy coverage for alternative therapies that assist in preventing health issues and aid in recuperation after operations.
Theft/Straying
Up to £1500
Reimbursement is provided in instances where your pet is either lost or stolen.
Missing Pet Advertising & Reward
Up to £1500
Get financial support for advertising costs and rewards offered in case your pet goes missing or is stolen.
Death from Illness/Accident
Up to £1500
Secure financial protection in the unfortunate event of your pet’s passing due to an illness or accident.
Multi-pet Discount
Up to 10%
Receive up to a 10% discount for insuring multiple pets with Fluffy's.
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​Subject to the Terms and Conditions of the policy purchased. Please read the Insurance Product Information Document and Policy Document to be aware of cover limits and excess. Pre-existing conditions won’t be covered.
Lifetime pet insurance that’s there for you
Free dog training
Access over 100 professional dog training courses at no additional cost.
Up to 50% off on food, toys & treats
Enjoy up to 50% off on an extensive selection of dog foods, toys, and treats.
Free 24/7 vet helpline
Utilize our round-the-clock veterinary helpline for free expert consultations.
Free personalised growth plans
Get tailor-made, expert-developed growth plans for your dog, updated weekly.
Free 24/7 pet trainer
Our team of trainers and behavior experts are available 24/7 to offer guidance and support.
Access to exclusive community
Connect with fellow dog owners in our exclusive community for shared advice and experiences.
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What is Lifetime pet insurance?
Lifetime pet insurance is a type of pet insurance policy that provides coverage for your pet throughout its lifetime. This kind of policy differs from other pet insurance policies that might only cover specific time periods or certain conditions. Here are some key aspects of lifetime pet insurance:
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Continuous Coverage: Unlike other insurance types that may need to be renewed annually, lifetime pet insurance offers continuous coverage for the life of your pet, as long as the policy is kept active.
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Chronic Conditions: One of the major benefits of lifetime pet insurance is its coverage for chronic conditions. This means that if your pet develops a long-term ailment like diabetes or arthritis, the insurance will continue to cover treatment for these conditions, which might be excluded in standard policies after the first year.
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Annual Limits: Most lifetime policies have an annual limit, which is the maximum amount they will pay out in a year. This limit resets each year, providing ongoing financial support for ongoing treatments.
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Age Considerations: While lifetime pet insurance is ideal for covering a pet throughout its life, the cost of the insurance can increase as the pet ages. It's often recommended to get lifetime insurance when the pet is young to ensure more affordable premiums.
How much is lifetime pet insurance UK?
1. Pet's Breed
Some breeds are predisposed to certain health conditions, making insurance more expensive. For example, large dog breeds or breeds with known hereditary conditions typically have higher insurance costs.
2. Pet's Age
Generally, the older the pet, the more expensive the insurance, as older pets are more likely to develop health issues.
2. Location
Veterinary costs can vary depending on where you live in the UK, which can affect insurance premiums.
4. Coverage Level
The extent of coverage you choose will impact the cost. More comprehensive plans with higher limits and lower deductibles will typically be more expensive.
5. Excess
The amount you're willing to pay out-of-pocket (deductible or excess) can affect your premium. A higher deductible usually means a lower premium.
6. Additional Features
Extra features like dental cover, complementary treatments, or cover for loss/theft of the pet can increase the cost.
Benefits of Lifetime pet insurance
Pros
Comprehensive Coverage: Lifetime pet insurance typically offers the most comprehensive coverage. It includes veterinary fees for illnesses, injuries, surgeries, diagnostic tests, and sometimes even additional treatments like dental care and behavioral therapy.
Protection Against Chronic Illnesses: One of the biggest advantages is the coverage for chronic conditions. Conditions that require ongoing treatment, such as diabetes or arthritis, are covered throughout the pet's life.
Continual Peace of Mind: Knowing that your pet is covered for life offers significant peace of mind. There's no need to worry about losing coverage as your pet ages or develops long-term health issues.
Annual Coverage Reset: The annual limits reset each year, ensuring that you have a consistent level of financial support for your pet’s health care needs annually.
Early Coverage Benefits: Getting lifetime insurance when a pet is young can be particularly beneficial, as it ensures coverage before any pre-existing conditions develop.
Cons
Higher Cost: Lifetime policies are typically more expensive than other types of pet insurance. The comprehensive nature of the coverage means higher premiums.
Age-Related Premium Increases: As pets age, the cost of insurance tends to increase, reflecting the higher risk of health issues in older pets.
Pre-existing Conditions Exclusion: Like most pet insurance, lifetime policies do not cover pre-existing conditions. This can be a significant drawback if your pet has already developed health issues before obtaining the policy.
Complexity of Policies: These policies can be more complex and may require more research and understanding to choose the right level of coverage and understand the terms and conditions.
Annual Limits: While annual limits reset, they can still cap the amount of coverage you can receive in a given year, which may not always cover all expenses in case of serious or multiple health issues.
Is lifetime pet insurance worth it?
Determining whether lifetime pet insurance is worth it depends on several factors, including your financial situation, your pet's health, and your personal preferences for managing potential veterinary expenses. Here are some points to consider:
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Comprehensive Coverage: Lifetime policies typically offer the most extensive coverage, including chronic and recurring illnesses, which can be very costly to treat.
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Peace of Mind: Knowing that your pet is covered for a variety of health issues throughout its life can provide significant peace of mind.
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Chronic Condition Support: These policies are particularly beneficial for pets with chronic conditions, as they continue to cover ongoing treatments year after year.
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Budgeting for Veterinary Costs: Regular premiums can help you budget more effectively for pet healthcare costs, as opposed to facing unexpected large bills.
How can I reduce pet insurance costs?
1. Choose a Higher Excess
Increasing the excess (the amount you pay towards a claim) can reduce your monthly premiums. However, make sure the excess is still affordable for you in case you need to make a claim.
2. Avoid Unnecessary Add-Ons
Tailor your policy to your needs. Avoid paying for extra coverage or features that you are unlikely to use.
3. Maintain Your Pet's Health
Keeping your pet healthy can reduce the likelihood of making claims, which can keep your premiums lower over time. Regular check-ups, vaccinations, a healthy diet, and exercise are essential.
4. Start Insurance Early
Insuring your pet when it's young and healthy can be cheaper than insuring an older pet or one with pre-existing conditions.
5. Breed Consideration
Certain breeds are more expensive to insure due to health risks. If you're considering getting a pet and insurance cost is a concern, research breeds with lower associated health risks and insurance costs.
6. Look Into Annual Payments
If you can afford it, pay your premium annually instead of monthly. Many insurers offer a discount for paying the premium in one lump sum.
What is the difference between Lifetime and Maximum Benefit policy
Lifetime
Continuous Coverage: Offers ongoing coverage throughout the pet's life as long as the policy is renewed each year without a break.
Annual Limits: Has annual limits on the amount that can be claimed for veterinary treatment, but these limits reset every year.
Chronic Conditions Coverage: Ideal for pets with chronic conditions as it covers ongoing treatments year after year.
Annual Premium Increases: Premiums can increase annually, especially as the pet ages or if claims are made.
Maximum Benefit
Fixed Amount for Conditions: Provides a fixed sum of money for each condition or illness. Once this limit is reached, the condition is no longer covered.
No Time Limit: There is no time limit on reaching this amount; it remains until the money is used up.
One-time Coverage: Once the maximum amount for a condition is used, that specific condition won't be covered again.
More Affordable Premiums: Typically, this policy is less expensive than a lifetime policy.
Does lifetime pet insurance cover accidents?
Yes, lifetime pet insurance typically covers accidents. The specific coverage details can vary between different insurance policies, but generally, lifetime pet insurance is designed to provide comprehensive coverage, which includes both accidents and illnesses. Here are some key points about accident coverage in lifetime pet insurance policies:
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Accident Coverage: This usually includes injuries and emergencies resulting from accidents, such as broken bones, cuts, or other physical injuries that require veterinary attention.
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Immediate Coverage: Unlike some illness coverages that might have waiting periods, accident coverage often begins almost immediately after the policy is in effect.
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Annual Limits: Lifetime policies often have annual limits on how much they will pay for veterinary treatments, including accidents. These limits are typically reset each year when the policy is renewed.
Do you have to renew lifetime pet insurance?
Yes, lifetime pet insurance typically requires annual renewal. Despite its name, "lifetime" doesn't imply a one-time purchase that covers the pet's entire life without the need for renewal. Here's how it generally works:
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Annual Policy: Lifetime pet insurance is usually structured as an annual policy. This means that each year, you'll have the option to renew the policy to continue coverage for your pet.
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Continuous Coverage: As long as you renew the policy each year without a break, your pet will continue to be covered. This is particularly important for maintaining coverage for any ongoing conditions that your pet may have.
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Premium Adjustments: At each renewal, the insurance company may adjust the premiums. This adjustment can be based on factors like your pet’s age, health status, and the cost of veterinary care. Typically, premiums increase as pets get older.
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No Lifetime Coverage Guarantee: While the policy is intended to cover your pet for its lifetime, there is no guarantee of coverage if the policy is not renewed or if the insurer decides not to offer renewal for any reason.
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Policy Terms and Conditions: It's essential to understand the terms and conditions of your policy, as these can vary between insurers. Some policies may have specific requirements for continuous coverage, and there might be penalties or exclusions if there's a lapse in coverage.
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Importance of Timely Renewal: To ensure uninterrupted coverage, especially for any ongoing conditions, timely renewal each year is crucial. Failure to renew on time might lead to a lapse in coverage, and any conditions that developed under the old policy might then be considered pre-existing conditions under a new policy, potentially leading to a lack of coverage for those conditions.
Can I cancel lifetime pet insurance
Yes, you can cancel a lifetime pet insurance policy. The process for canceling a policy will vary depending on the insurance provider. Typically, you'll need to contact the insurer directly, either by phone, email, or through their website. Some insurers may require written notice of cancellation.​
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