Lifetime
Defaqto 5 star rating when you choose vet fees over £4,000 with all optional add-ons included
Basic cover alone has 3 star rating
Three-time winner National Insurance Awards Pet Insurance Award 2022, 2023 & 2024
Awarded Best Pet Insurance Provider at The Times Money Mentor Awards 2024
Highly Commended for Best Pet Insurance at The Personal Finance Awards 2025
Choosing Petgevity to protect your pet gives you more than just vet fee cover. Here's what you get from our lifetime pet insurance policy.
Dental accident
Covers your pet up to the chosen vet fee limit if they have a dental accident or injury. Always be sure to take your pet for annual dental check-ups, and follow your vet’s advice.
Behavioural treatment
Get expert help with your pet’s mental and emotional wellbeing, as advised by your vet. Cover up to your chosen vet fee amount or the cost of up to 12 sessions, whichever is lower (Lifetime Plus); or up to £1,000 (Lifetime).
Complementary therapy
As advised by your vet, this covers alternative treatments like acupuncture or hydrotherapy. Cover up to your chosen vet fee amount (Lifetime Plus); or up to chosen vet fee amount or £1,500, whichever is lower (Lifetime).
Emergency care
If you can’t look after your pet due to an emergency, such as an unplanned hospital visit, this covers you for up to £1,500 (Lifetime Plus) in minding costs.
Third-party liability for dogs
Covers you for legal costs if your dog causes injury to somebody or their pet, or causes loss or damage to someone’s property. Protects you for up to £2 million in a legal action.
Choice of optional extras
Need extra protection? Choose from several optional extras to cover your pet’s needs, including dental illness, or cover if your pet is stolen or lost.
“Knowledge is power. Do your homework on your pet’s breed, such as whether they’re at risk due to inherited conditions. This can help you work out what level of insurance cover you might need.
“Also bear in mind that the cheapest pet insurance policy doesn’t necessarily mean best. Make sure your best friend’s adequately covered for any vet bills that might come their way.”
Kerry Willecome, pet insurance specialist
Meet our pet experts
†For Lifetime Plus policies only – details correct 6 January 2026 via competitor websites. Competitor products are subject to their own T&Cs and can have different limits and requirements for cats versus dogs at different ages. For full details, please check the relevant policy wording. For full details of Petgevity pet insurance, please read our policy wording.
While being a pet parent is immensely rewarding, it can also turn your world upside-down. Luckily there’s comprehensive pet insurance to help with what life throws at you and your four-legged family.
Dog cover
Cat cover
Multi-pet cover
Members of the Petgevity family get unlimited calls to experienced, UK-registered vets. Get 24/7 advice to keep your pets healthy and happy.
†Lifetime Plus policies only
*Cover for pre-existing medical conditions is subject to acceptance. They will not be covered unless you have declared them and they are shown on your Confirmation of Cover.
**Illnesses and symptoms won’t be covered in the first 14 days and accidents won’t be covered in the first 2 days of the policy. This is unless you are switching from another lifetime pet insurance product with no break in cover and the claim you want to make would have been covered by your previous policy. Other exclusions may apply to other sections.
^Figure calculated using the cheapest 10% of our new business sold policies (renewals and amended policies were not included in the data), from the date range of 1 September 2024 to 28 February 2025. The premiums used for calculation were the final premiums across all customers regardless of how they bought, including all additional cover options and Insurance Premium Tax, without exclusion on any specific customer segmentations.