The best lifetime pet insurance for dogs

Get Your First 3 Months Half Price

When your purchase a lifetime policy with The Kennel Club Pet Insurance today, you'll get your first 3 months half price - use promo code 3MHP

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Ranked No.1 pet insurer in the UK

Rated 'Excellent' by customers and over 95% of our customers would recommend us to friends and family.
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Lifetime cover with up to £15,000 every year to cover vet fees

When you renew your policy the full benefit you have chosen is reinstated.

5-Star Defaqto

We have a 5-star Defaqto rating giving you confidence that we will care for your pet throughout their life.
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We pay 97% of claims

And by settling directly with your vet, you don't need to worry about paying large bills then claiming back. Instead, you can focus on your dog.

Why our cover is the best?

At The Kennel Club Pet Insurance, we only offer lifetime cover. So, as long as you continue your policy, we will cover ongoing illnesses for the rest of your dog’s life. Our optional benefits mean that you can pick and choose additional cover you need, without paying for elements that you don't.

All our policies offer lifetime protection for illnesses and injuries

Your dog’s health is always our top priority, so every policy with us is for Lifetime pet insurance. This way, even if your dog were to develop an ongoing or recurring condition, they can always get the best possible healthcare when they’re protected with The Kennel Club Pet Insurance.


Lifetime vet fees cover up to £15,000 every year

Reinstated every year that you renew your policy.


Free 24/7 access to the Pet Health Helpline

For advice from registered veterinary professionals whenever you need it.


Dental cover

While many insurers will cover dental accidents, Kennel Club Pet Insurance covers dental treatment for disease, illness and injury, as standard.*


*Terms, conditions and exclusions apply

Why should you insure your dog?

If you're weighing up if pet insurance is worth it, consider how you might pay for unexpected vet fees if your dog was to fall ill or get injured.

And that vets’ fees for congenital diseases and hereditary conditions frequently run into thousands of pounds, over a dogs lifetime? And of course, these things almost always come out of the blue.

Pet insurance gives reassures you that, should something happen to your dog, you would have back-up towards the costs of their veterinary treatment. But with so many products on the market, choosing the best pet insurance to help with vet fees can be overwhelming. So, we have put together this guide to help you decide.

What type of cover do I need?

Insurance can be a bit confusing and you may wonder what the differences in cover are, and how to choose. At The Kennel Club Pet Insurance, we make this simple by only offering lifetime policies, so we will cover ongoing illnesses for the rest of your dog’s life.

This is the most comprehensive type of cover you can get.

Lifetime pet insurance provides cover for the lifetime of your pet, up to your policy’s vet’s fees limit. This limit refreshes back up every year the premium is paid – like topping up a jar.

So, each year of your policy, you can claim up to the vet fees limit, ideal for one-off claims but also invaluable for ongoing veterinary expenses for long-term or lifetime conditions like diabetes or arthritis. Lifetime policies are also more likely to cover your dog for treatments like acupuncture or hydrotherapy. 

  • Lifetime policies insure your pet for new medical illnesses and injuries, so any illness or injury before the policy is taken out will generally not be covered
  • Your pet will be insured up to a set amount each year. If this limit is reached during the policy year, your pet will not be covered for any further treatment required until the policy is renewed, when the full amount will be available again
  • The policy needs to be renewed to ensure your pet remains covered for any long-term or recurring illness or injury that required treatment in the previous policy period.

Some pet insurance companies provide time-limited cover for conditions that typically only last twelve months after the first claim. With others, a maximum amount per condition means that cover for that condition is excluded for the rest of your pet’s life. 

These types of policies usually provide a fixed sum to cover your pet for the treatment of each illness or injury and a set time period for each treatment – usually 12 months. After this time/ cover limit is reached, all cover for it will end, and it will become a pre-existing condition.

Time-limited polices can be a good option for owners on a budget or with older pets, providing they are comfortable with the limits and prepared for costs related to long-term or expensive conditions.

  • When either the set period has ended, or the fixed sum of money is reached for a particular illness or injury, your pet will not be covered for that issue for the rest of the policy duration – even if the policy is renewed for subsequent years
  • Recurring conditions related to any previous illness or injury will be treated as the same condition for the duration of the policy, and are therefore generally not covered 

With this type of policy, your dog would be covered for a maximum amount per condition. So, claims towards each specific illness or condition would be covered while the policy is in place, no matter how long the time period is. However, once the cap on cover for that condition is reached, all cover for it will end, and it will become a pre-existing condition.

These policies can be a preferred option for owners with older pets or looking for a cheaper policy, providing they are comfortable with the limits and prepared for costs related to long-term or expensive conditions.

  • Your pet is only covered for each illness and injury until the maximum fixed amount is reached
  • This is injury or illness-specific, and there is usually no time limit on reaching the fixed amount
  • The illness or injury will not be covered again, including related recurring conditions

This is the least comprehensive type of cover you can get. These kinds of policies tend to be the cheapest as they simply provide a fixed amount of cover for each new injury, with no cover for illness. As claims for illness usually account for around 9 in 10 received by pet insurers, these policies provide only very limited cover.

Things to remember


Make sure you do your research when you are first looking for a policy, and consider specialist pet insurers who offer a more tailored approach to pet insurance, with flexible options, so you only pay for what you need, rather than generic insurers with inflexible policies.

Shopping around

Always be very wary of shopping around when your policy is due for renewal. Unlike home or motor insurance, this is a risky strategy as any illnesses or conditions that your pet has had in the past are very unlikely to be covered with a new provider. So, while you may save a few pounds on your premium, it could cost you significantly more should you have to pay the full treatment costs for issues no longer covered.

Read the small print

Always read the small print and check your pet’s policy will include everything you need. Perhaps you travel and want overseas cover or reassurance should you decide to breed from your dog? Or should the worst happen, does the policy cover loss, theft, or death?

Protect your dog with the UK's best lifetime cover

With up to £15,000 every year to cover vet bills, we let you focus on getting the best possible treatment for your dog without worrying about the cost.

We only provide lifetime policies as these give you the best protection from the financial burden of caring for a poorly pet, including cover for ongoing and recurring conditions every year of your pet’s life.