Lifetime insurance for your
Vet fees up to £15,000
To suit your pet’s needs, choose vet fee cover from £1,000 to £15,000. The limit resets every year you renew.
Design your own pet insurance
Policies as unique as your pet. Set your own limits, excess and optional extras, for cover as snug as a collar.
Switch with unbroken cover
If you switch to us from a like-for-like policy, there’ll be no gap in cover, with protection starting straight away**.
On this page:
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
We think so! Despite pets being a huge part of our lives, there’s no NHS equivalent for them if they get ill or become injured. And this can happen any time.
If you don’t have vet fee cover in place, you’ll have to pay for all treatment costs yourself.
Pet insurance is there for peace of mind that, if your cat or dog becomes poorly or gets in a scrape, you’re protected financially in the face of unexpected vet bills.
Want to know more about its benefits? Check out whether pet insurance is worth it.
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
†For Lifetime Plus policies only – details correct as of 10 September 2024 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.
Could choosing a cheap pet insurance policy be a false economy?
Pros:
Cons:
If you need to stick to a budget, here are some other ways to potentially pay less for your pet insurance:
Members of the Petgevity family get unlimited calls to experienced, UK-registered vets. Get 24/7 advice to keep your pets healthy and happy.
Our Lifetime Plus policy can cover your pet’s pre-existing conditions*, provided they’re declared and accepted.
How it works:
Pet insurance is designed to help with unexpected vet bills. It springs into action if your cat or dog gets into a scrape or becomes unwell.
With a Lifetime Plus pet insurance policy, any of your pet’s conditions that we’ve agreed to insure are covered for life*, provided you renew each year. With a Petgevity policy, you get:
Need more protection? There are a range of optional extras you can tag onto your policy, such as holiday cover, or dental illness cover. This way, you can fashion your cover for your pet’s exact needs.
Pet insurance policies don’t tend to cover routine and preventative treatments, and Petgevity is no different in this respect. We don’t cover:
It’s worth noting that some vets will offer monthly pet care schemes, which help spread the cost of these types of treatments. Ask your local vet for more info.
Your pet insurance is priced on several factors, including:
Need help deciding what annual vet fee limit to choose for your pet insurance? Here are a few things to weigh up:
Wondering what the vet is likely to set you back? Check out our guide to vet fee costs, which should hopefully help you work out how much insurance cover you might need.
Pet insurance policies vary wildly in terms of what they cover, what they don’t, how much they cost and so on. These include lifetime insurance (which we offer), and other types such as maximum benefit and time-limited pet insurance.
It’s worth checking out our guide to how to choose the right pet insurance. But one of the most important things we will say is that – whatever type of policy you choose – be sure to check out the small print before you buy. You should always go for a policy that covers exactly what your pet needs, and know what it doesn’t cover too.
With a Petgevity policy, you can protect your kitten or puppy from four weeks of age.
The thing with unexpected accidents or illnesses is that they’re exactly that – unexpected. You never know when something will go wrong, and this is true of pets of all ages.
If you’re after peace of mind, getting pet insurance as soon as possible means they’re protected from then on.
It’s also usually a good idea to get insurance while your pets are young, as this means you’ll be protected if they develop any conditions down the line.
On the other end of the scale, it’s worth knowing that some pet insurers won’t take on new pets when they reach a certain age. This is generally eight for dogs and ten for cats. The good news is we have no upper limit on our Lifetime Plus policy.
For other policies, you may be subject to a co-payment after these ages, and your pet may not qualify for death benefit.
As with all insurance policies, you might be subject to an excess. This is the amount you agree to pay towards a claim that you make.
When taking out pet insurance with us, you can set the excess yourself. This could be as much as £500, or as little as zero.
With Lifetime Plus policies, we will not charge a compulsory excess for older cats and senior dogs. With other policies, they may be subject to a co-payment after the age of eight for dogs, and ten for cats.
If you’re travelling abroad, or even just domestically in the UK, adding Travel and Holiday cover to your Petgevity policy means your pet will be protected on these trips.
This provides cover for:
If your vet needs to run extra tests in order to diagnose a condition, your Petgevity policy does include MRI and CT scans. This covers you up to your chosen vet fee limit or £2,000, whichever is lower.
Our expert vets and behaviourists have great pointers to help keep your pet happy and healthy.
Is pet insurance worth it?
Find out why pet insurance is worth it to cover the cost of vet bills over your pet’s lifetime, plus how to pick the best type of insurance for your pet.
How to choose the best pet insurance for my pet
We explain the top things you may want to think about when it comes to researching pet insurance policies, including how you can compare pet insurance.
What is lifetime pet insurance?
We’re saying farewell to all of the confusion around lifetime pet insurance. Join us as we explore what it is and how it works.
^Figure calculated using the cheapest 10% of our new business sold policies (renewals and amended policies were not included in the data), from 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.
†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.