Lifetime pet insurance

Looking for pet insurance with lifetime cover? You've come to the right place.

As your pet ages, it's more likely to need costly medical treatment, so it's a good idea to get pet insurance that offers lifetime cover. The good news is that once your pet is accepted and as long as you continue to renew your policy each year, most insurers will cover your pet's vet expenses for life.

Compare brands that guarantee lifetime cover

Details Features
Comprehensive Cover
Comprehensive Cover
$80 Woolworths eGift card for new policies, plus price beat promise for similar policies. T&Cs apply.
  • Maximum yearly benefit: $12,000
  • Reimbursement rate: 80%
  • Eligibility: Between 8 weeks and 9 years old
  • Excess options: $0 or $100
  • Paralysis tick benefit: $1,500
  • Discounts: Woolworths Rewards members get 10% off 1st year
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Ultimate Care Plan
Ultimate Care Plan
Get a free engraved pet ID tag when you sign up.
  • Maximum yearly benefit: $20,000
  • Reimbursement rate: 80%
  • Eligibility: Between 8 weeks and 9 years old
  • Excess options: $0
  • Paralysis tick benefit: $3,000
  • Discounts: 10% multi-pet discount
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Major Medical Cover
Major Medical Cover
Get 2 months free when you sign up.
  • Maximum yearly benefit: $15,145
  • Reimbursement rate: 80%
  • Eligibility: Between 8 weeks and 9 years old
  • Excess options: $0, $100 or $200
  • Paralysis tick benefit: $1,200
  • Discounts: 15% multi-pet discount
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Ultimate Cover (Accident & Illness)
Ultimate Cover (Accident & Illness)
Helps support the RSPCA.
  • Maximum yearly benefit: $11,000
  • Reimbursement rate: 80%
  • Eligibility: Between 8 weeks and 9 years old
  • Excess options: $0
  • Paralysis tick benefit: $1,200
  • Discounts: 10% multi-pet discount
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Premium Accident & Illness Cover
Premium Accident & Illness Cover
Pay fortnightly, monthly or yearly at no extra cost.
  • Maximum yearly benefit: $12,000
  • Reimbursement rate: 80%
  • Eligibility: Between 8 weeks and 9 years old
  • Excess options: $0
  • Paralysis tick benefit: $1,200
  • Discounts: 10% refund after your 1st year
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 Premium Care
Premium Care
Helps support Guide Dogs Australia. Advertisement
  • Maximum yearly benefit: $20,000
  • Reimbursement rate: 85%
  • Eligibility: Between 8 weeks and 9 years old
  • Excess options: $0 or $50
  • Paralysis tick benefit: $2,000
  • Discounts: 10% multi-pet discount
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Sovereign Accident & Illness Cover
Sovereign Accident & Illness Cover
With guaranteed renewal you can protect your pet for life.
  • Maximum yearly benefit: $14,000
  • Reimbursement rate: 85%
  • Eligibility: Between 8 weeks and 9 years old
  • Excess options: $0
  • Paralysis tick benefit: $1,200
  • Discounts: 10% multi-pet discount
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Platinum Accident and Illness
Platinum Accident and Illness
No joining fee to pay.
  • Maximum yearly benefit: $12,000
  • Reimbursement rate: 80%
  • Eligibility: Between 8 weeks and 9 years old
  • Excess options: $0
  • Paralysis tick benefit: $1,000
  • Discounts: No
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Top Accident & Illness Cover
Top Accident & Illness Cover
If you're over 50 get 10% off.
  • Maximum yearly benefit: $12,000
  • Reimbursement rate: 80%
  • Eligibility: Between 8 weeks and 9 years old
  • Excess options: $0
  • Paralysis tick benefit: $1,200
  • Discounts: 10% off for seniors
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Accident and Illness Cover
Accident and Illness Cover
Your pet is covered for life.
  • Maximum yearly benefit: $12,000
  • Reimbursement rate: 75% or 85%
  • Eligibility: Between 8 weeks and 9 years old
  • Excess options: $0
  • Paralysis tick benefit: $500
  • Discounts: 10% off for pensioners and rescue dogs
Go to site More info

What is lifetime pet insurance and how do I find the best one for me?

If you take out pet insurance for a puppy or a kitten, will you still have pet insurance 15 years later when your pet is getting older? With lifetime pet insurance, you can. Without it, a provider could decline to renew your insurance after your pet reaches a certain age.

Lifetime pet insurance in Australia takes the form of “guaranteed renewability”. This means that as long as you keep up with your premium payments and don’t violate your policy terms (such as by trying to defraud the insurer with false claims), they can't cancel your policy. If you’re looking for accident and illness pet insurance to cover your pet for life, check specifically for policies that include lifetime cover. It's a good idea to take out a policy as soon as your pet reaches the minimum entry age, which is usually about 8 weeks, and then make sure that the policy is maintained. All of our partner pet insurance providers offer lifetime pet insurance, so you can make a choice based on the cover and other features instead.

Additional options to consider

Lifetime cover is typically found as an automatic policy feature rather than an optional extra. Optional inclusions may not always be available with all insurers or might sometimes be found as automatic inclusions. If you’re specifically looking to keep premiums down, it may be worth comparing the prices of policies that let you opt out of these cover types, to see whether you can save money. Typically available options may include:

What excess will I be charged?

The excess charged is typically around $100 to $200, payable each time you make a claim for a separate condition. With lifetime pet insurance, it may be worth considering how the excess can affect costs in the long run. Over the years, a higher excess can save considerable amounts of money, but also makes it more expensive to claim. Later in life, when a pet might be experiencing multiple separate conditions, a higher excess may be less affordable. You might want to consider your savings and how much you might be willing or able to spend on excess costs down the line. There’s no single right amount for everyone but you might want to look for an excess that’s affordable even if you need to pay it several times a year, but is also high enough to keep your premiums down.

What will impact what I pay?

The cost of pet insurance can change over time. Your premiums are typically reassessed each year at the policy anniversary and will often increase based on the newly assessed risk levels. Your premiums are affected by:

  • Your pet’s age
  • Your cover type and options
  • Your pet’s breed
  • Any pre-existing conditions or congenital conditions
  • Your benefit percentage or reimbursement level
  • Your chosen excess

Andrew Munro

Andrew writes for finder.com, comparing products, writing guides and looking for new ways to help people make smart decisions. He's a fan of insurance, business news and cryptocurrency.

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