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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.

Get a personalised quote today!

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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.

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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.



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.

1-Minute Quote

​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.

1-Minute Quote

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:

  1. 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.

  2. 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.

  3. 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.

  4. 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.

Cute Puppy

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



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.



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.

Dalmatian Dog

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:

  1. Comprehensive Coverage: Lifetime policies typically offer the most extensive coverage, including chronic and recurring illnesses, which can be very costly to treat.

  2. Peace of Mind: Knowing that your pet is covered for a variety of health issues throughout its life can provide significant peace of mind.

  3. Chronic Condition Support: These policies are particularly beneficial for pets with chronic conditions, as they continue to cover ongoing treatments year after year.

  4. 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



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:

  1. Accident Coverage: This usually includes injuries and emergencies resulting from accidents, such as broken bones, cuts, or other physical injuries that require veterinary attention.

  2. Immediate Coverage: Unlike some illness coverages that might have waiting periods, accident coverage often begins almost immediately after the policy is in effect.

  3. 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.

Golden Dog
Dog Blower

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:

  1. 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.

  2. 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.

  3. 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.

  4. 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.

  5. 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.

  6. 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.​

  • Is pet insurance worth it?
    Pet insurance is a valuable safety net, covering unexpected medical expenses. It provides peace of mind, ensuring your pet gets necessary care. It's especially beneficial for pets prone to health issues or accidents.
  • What is the cost of pet insurance?
    The cost depends on factors like your pet's age, breed, and coverage level. Basic plans are more budget-friendly but offer limited coverage. Premium plans cost more but provide comprehensive protection.
  • What pet insurance do vets recommend?
    Vets typically recommend comprehensive policies covering accidents, illnesses, and routine care. They suggest looking for plans with good coverage for chronic conditions. It's also advised to check for policies with minimal exclusions.
  • What does pet insurance cover?
    Accidents: Injuries and emergency treatments. Illnesses: From minor sickness to chronic diseases. Routine Care: Some policies include wellness visits and vaccinations.
  • Pros and cons of pet insurance
    Pros: Financial safety net for unexpected costs. Access to necessary treatments. Peace of mind for pet owners. Cons: Monthly premiums can add up. Exclusions like pre-existing conditions. Potential deductibles and co-pays.
  • Who has the best pet insurance?
    The best pet insurance varies based on individual needs. It's recommended to compare policies for coverage, exclusions, and customer reviews. Look for a balance of cost, coverage, and customer service reputation.
  • Which pet insurance that covers everything?
    No pet insurance covers 'everything,' but comprehensive plans come closest. They typically cover accidents, illnesses, and some wellness procedures. Always check for exclusions like pre-existing conditions and routine care limits.
  • How much is a vet visit for a dog without insurance?
    Costs can range widely, from basic consultation fees to hundreds for complex treatments. Emergency visits or surgeries without insurance can be particularly costly. Prices vary based on the procedure and location of the clinic.
  • What is a good annual limit for pet insurance UK?
    A good annual limit depends on your pet's potential health needs. In the UK, limits typically range from £1,000 to over £15,000. Higher limits offer more coverage but come with higher premiums.
  • Do vets charge more if you have insurance?
    Vets generally charge the same rates regardless of insurance status. Insurance helps owners afford more comprehensive care. It's more about coverage than cost differential at the vet.
  • What’s third party liability pet insurance?
    This covers costs if your pet causes injury to a person or damage to property. It's particularly important for dog owners. This insurance is a safeguard against legal liabilities.
  • How do vaccinations affect pet insurance?
    Keeping vaccinations up to date can lower pet insurance premiums. It reflects responsible pet ownership and preventive health care. Some insurers require up-to-date vaccinations for coverage.
  • What’s co-insurance or co-payment?
    Co-insurance is the percentage of a claim you pay after the excess is deducted. It's a way to share the cost of care between the insurer and the pet owner. Higher co-insurance can mean lower premiums.
  • Why are pedigree animals more expensive to insure?
    Pedigree pets often have a higher risk of inherited health conditions. They may also have higher value, increasing insurance costs. Insurers consider these factors when determining premiums.
  • Does my address matter for my pet insurance price?
    Yes, your location can affect insurance costs. Areas with higher vet fees typically have higher premiums. The risk of theft or straying can also vary by location.
  • Will property be covered if my pet damages it?
    Pet insurance usually doesn't cover damage to your own property. Third-party liability can cover damage your pet causes to others' property. Check your policy for specific exclusions.
  • Does pet insurance cover ‘cherry eye’ in dogs?
    Many insurers cover ‘cherry eye’ treatment if it's not pre-existing. Coverage depends on the specific policy and insurer. Always check for breed-specific condition exclusions.
  • Does pet insurance cover BOAS surgery?
    Coverage for BOAS (Brachycephalic Obstructive Airway Syndrome) surgery varies. Some insurers cover it if it’s not a pre-existing condition. It's important to check your policy's specifics.
  • How does my pet’s age affect pet insurance?
    Older pets often have higher insurance premiums. They are more likely to develop health issues. Age can also affect the availability of certain coverages.
  • Do I need to pay an excess for pet insurance?
    Most pet insurance policies require paying an excess. The excess is the amount paid out-of-pocket before insurance covers the rest. Choosing a higher excess can lower premiums.
  • Does pet insurance include kennel or cattery fees?
    Some policies cover kennel or cattery fees if the owner is hospitalised. This coverage is typically part of a more comprehensive plan. Always check the policy details for such benefits.
  • Can I get cover that starts immediately?
    Some insurers offer immediate cover for accidents. Illness coverage often has a waiting period. Check with your insurer for specific start times of coverage.
  • Is it better to pay for insurance annually or monthly?
    Paying annually can sometimes offer a discount. Monthly payments provide easier budgeting. Compare options to see which suits your financial situation best.
  • What should I do if my pet goes missing?
    Notify your insurer as many provide assistance for lost pets. Check if your policy includes advertising or reward costs. Also, inform local vets and animal shelters.
  • Will pet insurance cover life-threatening injuries or illness?
    Most pet insurance policies cover life-threatening conditions. This includes emergency surgeries and critical care. Check your policy for any limitations or exclusions.

Learn more about pet insurance with our expert guides


Pet Insurance 


Cat Insurance Guide


Dog Insurance Guide


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James Auton

Fantastic, I'm totally blown away by Fluffy!

Helen Bradfield

I wish there were care plans like this for humans

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After looking at twenty other options, I finally found the perfect one

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