UPDATE: Policy was received into the spam folder. Good service, premium ok, cheaper than others, but still way too expensive. Of course it's the claim situation that's the important revie... See more
Company replied
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I called direct to get a quote. Didn't have to wait long before call was answered. Tom the advisor was extremely helpful. He explained everything clearly. He did not rush through the information... See more
Company replied
I did a review last year slating the company as they had changed underwriters who treated you as a brand new customer & had to have all pets history from Vets. I went through the complaints procedur... See more
Company replied
Very pleased. I spoke to a very helpful young gentleman over the phone who explained everything very well , answered all my questions and sorted a problem that had occurred trying to get their insuran... See more
Company replied
Company details
- #14 of 32 best companies in Pet Insurance Company
- #169 of 230 best companies in Insurance agency
Written by the company
Lifetime Pet Cover began in 2014, inspired by a personal experience when a cherished family pet became seriously ill, and the existing insurance didn’t provide the support that was needed. That experience sparked a commitment to create pet insurance that puts pets and their owners first. We believe in keeping things simple and focused on quality which is why we offer only Lifetime policies, designed to provide lasting protection, with five levels of cover to suit your needs. As a team of dedicated pet lovers, we’re committed to providing reliable service and insurance you can truly count on. Our goal is simple - to be here when you need us, protect your pet and give you peace of mind.
Contact info
The Old Dairy, Western Court, Bishops Sutton, SO24 0AA, Winchester, United Kingdom
- 02037500022
- hello@lifetimepetcover.co.uk
- lifetimepetcover.co.uk
Lifetime Cover for Cats & Dogs
4.5
Excellent
1k reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 85% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Avoid this company
If you actually read the substance of the reviews below, you will see that Lifetime are great at giving quotes and setting up accounts, but if you try to make a claim they will put up every possible barrier to paying out.
Our rescue dog needed a tissue sample taking from a concerning lump. This was not a particularly expensive procedure, but we claimed nonetheless - that's why we are insured right? The process of making a claim is complex and time consuming, much more so than any other insurer I've used in any context. Over the next month they asked for various other documents, including a microchip certificate (I'd provided the number and full medical history at the point of claiming). They looked for any inconsistencies in our information, and tried to find any excuse to refuse us cover (including referencing his nervous behaviour when we first visited the vet 4 years ago as a young rescue dog).
The whole process took over a month, and progress only occurred when I phoned them up and chased it. It is clear that they were looking for any way to deter claims in the first place (by making the process needlessly complicated and stressful) and then they were looking for any excuse to refuse payment (by nitpicking irrelevant historical details over the course of a month in his medical history, implying that certain niche paperwork was necessary for the claim and just delaying the whole process to a ridiculous extent).
I wish I had read the substance of the reviews below before signing up with Lifetime, as I will be cancelling my renewal and advising any other pet owners to avoid them. Making a claim has never been as stressful as this was - avoid them and save yourself the stress.
3 December 2025
Unprompted review
Reply from Lifetime Pet Cover
Hi Joe, thank you for taking the time to share your feedback. We’re very sorry to hear about your experience and understand how stressful it must have been for you while making a claim.
At Lifetime Pet Cover, our goal is always to support pet owners throughout the claims process, though the specific procedures are managed by our claims handler.
While we know this doesn’t change your experience, we do receive positive feedback on our claims process. However, every pet and situation is unique, and we’re truly sorry that yours was so disappointing.
While we do require certain documentation and checks to ensure claims are accurate and valid, we appreciate that this can feel complex and time-consuming, especially when you’ve already provided a lot of information. We also understand that historical information about a pet can feel irrelevant or unnecessary, but our claims process is designed to confirm coverage and ensure that policies are applied fairly for all customers. That said, we’re very sorry that you felt this added unnecessary stress, and your feedback will be shared with the team to review how we can make the process clearer and smoother in the future.
If you’d like us to look into this further or discuss your experience directly, our customer care team can be contacted at hello@lifetimepetcover.co.uk or 0203 750 0022. We’d like the opportunity to ensure your concerns are properly addressed.
Terrible
Terrible. They refused to pay out and I am financially ruined and can't look after any dog anymore. Disgraceful
21 September 2025
Reply from Lifetime Pet Cover
Hi Dan, we’re very sorry to hear about your experience and completely understand how distressing this must be.
Unfortunately, we can’t access the details of your policy or claim through this platform, so we’re unable to investigate or provide specific advice here. We would really like the opportunity to look into this further and support you. Please contact our customer care team directly at hello@lifetimepetcover.co.uk or 0203 750 0022 so we can review your situation and help where possible.
Reply from Lifetime Pet Cover
Hi Jayne, thank you for your feedback :) We’re really glad to hear you found the quote process easy and the wording clear - that’s exactly what we aim for. We really appreciate you choosing us to protect your pet.
Reply from Lifetime Pet Cover
Hi John, thank you so much for your feedback. It is great to hear you found the process simple and the premium competitively priced. Thank you for choosing us :)
Easy and straightforward to sort this…
Easy and straightforward to sort this policy. Cheaper than your competitors.
21 November 2025
Reply from Lifetime Pet Cover
Hi Francis, thank you so much for your feedback :) We're really glad to hear you found the policy easy to set up and great value. Thank you for choosing us to protect your pet.
Easy but too many irrelevant questions.
21 November 2025
Reply from Lifetime Pet Cover
Hi Colin, thanks so much for sharing your feedback. We’re really glad to hear the process was easy for you. We know the application includes quite a few questions but each one helps us make sure your policy is accurate and properly tailored to you and your pet’s needs. We appreciate you taking the time to complete everything and for choosing us to look after your pet’s cover.
Great price
Got the cover I wanted and easy to cover both my dogs in one simple step, it's also easy to upgrade their standard cover should you wish to do so for a small increase. I'm happy with the service this company provides and you also get a reminder for the coming years policy. It took a little over 5 minutes to complete the form and
I now have peace of mind for the next twelve months.
17 November 2025
Reply from Lifetime Pet Cover
Hi Lynne, thank you so much for sharing your experience. We are really glad to hear you were able to get the cover you wanted for both of your dogs quickly and easily. It’s great to know the process felt straightforward, and that selecting the cover and managing your policy worked well for you too. We are delighted to hear you feel confident and have peace of mind for the year ahead. Thank you for choosing us to look after your pets, it really means a lot.
Easy to set up and covered our needs
13 November 2025
Reply from Lifetime Pet Cover
Hi Charlie, thank you for your feedback! We are really glad to hear the policy was easy to set up and that it gives you the cover you were looking for. Thank you for choosing us :)
Very polite
14 November 2025
Reply from Lifetime Pet Cover
Hi David, thank you for your feedback! We are so pleased to hear you found our team polite :)
Great service
Just taken out a new policy over the phone. Customer assistant was extremely helpful and polite, will be bring my other dogs insurance over to LPC when it is up for renewal
13 November 2025
Reply from Lifetime Pet Cover
Hi Paula, thank you for your lovely feedback! We’re so glad to hear your experience over the phone was helpful and pleasant. We look forward to welcoming your other dogs and we really appreciate you choosing us to protect your pets.
Good product Good fair price
Very quick and easy to get through any questions whilst setting up policies, a fair price for a change great to see
13 November 2025
Reply from Lifetime Pet Cover
Hi David, thank you for your feedback! We’re really glad to hear that setting up your policy was straightforward and that you felt the price was fair. We’re happy to have you with us and appreciate you choosing us to protect your pet.
The website was set out in an easy way…
The website was set out in an easy way to choose how much you could pay ect.
12 November 2025
Reply from Lifetime Pet Cover
Thank you for your feedback! We are really happy to hear you found the website clear and simple to use, especially when selecting the cover and price that suited you. Thank you for choosing us :)
Very quick and easy to set up and a…
Very quick and easy to set up and a very competitive price
11 November 2025
Reply from Lifetime Pet Cover
Hi Marco, thanks so much for sharing your feedback! It’s great to hear the setup was nice and easy and that you were happy with the price. We really appreciate you choosing us to protect your pet.
Very quick and easy to contact when…
Very quick and easy to contact when using for a claim and always helpful
10 November 2025
Reply from Lifetime Pet Cover
Hi Jade, thank you so much for your feedback. We are happy to hear that contacting us for a claim was quick and easy, and that our team was helpful throughout. We really appreciate you taking the time to share your experience.
Reply from Lifetime Pet Cover
Hi Glynn, thank you for your review - it is really great to hear you found our team helpful.
Haven't needed to use them yet in 2…
Haven't needed to use them yet in 2 years - thank the Lord ! Seem OK so far
18 August 2025
Reply from Lifetime Pet Cover
Hi Alan, thank you very much for your feedback :) We are so pleased to hear your pet has stayed happy and healthy and great to know you’ve been happy with your cover so far. We really appreciate you choosing us!
Simple to proceed
Simple to proceed. Very easy form to complete and Certificate of Insurance received within minutes.
7 November 2025
Reply from Lifetime Pet Cover
Thank you for your feedback! We are really pleased to hear you found the process simple and that you received your documents so quickly. We appreciate you choosing us :)
Reply from Lifetime Pet Cover
Thank you for your feedback! We’re so glad to hear you had a nice experience with our team :)
The renewal price was £40 more than was…
The renewal price was £40 more than was available on comparison websites for the same company and cover, I contacted them expecting them to honour the price to new customers however after some back and forth I had to cancel my policy and then create another, usually there are a team that are keen to retain customers, just seems odd and inconvenient.
4 November 2025
Reply from Lifetime Pet Cover
Hi Beth, thank you for taking the time to share your feedback, we understand how this scenario can appear confusing.
Our prices are based on a range of risk factors - this helps keep our premiums fair and reflective of the true cost of providing comprehensive lifetime cover. You mentioned that the new policy was cheaper, this is because new policies come with several restrictions along with waiting periods before you can claim, that do not apply to renewing customers. By taking out a new policy, these restrictions apply to your policy again, which will reduce the cost, as there is less cover in the first policy year compared to a renewal - as our team would have explained when you spoke with them on the phone. Renewing your existing policy, on the other hand, allows your cover to continue seamlessly, meaning any signs or symptoms of a condition (whether diagnosed/treated, or not) that developed while insured with us, remain covered without any new exclusions or waiting times – which would not be the case on a new policy.
We’re really glad you chose to stay with us and thank you again for taking the time to explain your experience. We encourage feedback from our customers and always looking to improve what we do to give the best service we can.
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.