What is Lifetime Cover Dog Insurance?

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If dog insurance policies are all Greek to you, you might be struggling to decide what kind of cover is right for you and your four-legged friend. Of course, you want to have the best insurance policy for your pooch, but you don’t want to over-insure him if it’s not necessary. Once you discover what lifetime cover is all about, you’ll be able to figure out if it’s the kind of policy you need.

What is Lifetime Cover?

Lifetime cover dog insurance is the most comprehensive type of policy. As the name suggests, the aim is to provide cover for your pooch for his entire life. As long as you keep up with the policy and the payments, of course. In this kind of cover, your dog is usually given an upper limit “per condition, per year.” This amount varies, depending on your policy, but it can be in the $20,000 ball park.

What Are the Pros of Lifetime Cover?

The main positive of lifetime cover, is that if your dog should get a chronic illness or have a serious injury that will require ongoing treatment, the insurance company will continue to cover it. Some policies give you a fixed amount per condition and once that’s used up, you’re on your own with veterinary bills. With lifetime cover, however, the allowance renews each year, so you can be certain that your pup is covered, no matter what.

What Are the Cons of Lifetime Cover?

Lifetime cover is the most comprehensive form of dog insurance, and the premiums reflect this. It’s more expensive than any other type of cover. Of course, if your dog gets seriously ill, then it’s worth its weight in gold, but you might just end up out of pocket. What’s more, the price isn’t fixed over your dog’s lifetime, so if you do end up having to claim frequently or claim a large sum of money, it’s likely that your monthly or annual premiums will go up by a significant amount.

How Much Will it Cost?

The exact cost of your insurance policy may vary wildly depending on a number of factors, so it’s hard to give you an exact cost. It is the most expensive type of insurance, but if you shop around, you should be able to find yourself a good deal. Remember that all kinds of things can push up your premiums, such as your dog’s breed, his age, any previous conditions and even what location you’re based in.

Does Your Dog Really Need Lifetime Cover?

Once again, it’s hard to say whether or not your dog really needs lifetime cover. Insurance is sort of a gamble. Even though you want your dog to stay well, you’re betting that he will get ill and you’ll need the insurance to pay out. On the other hand, your insurance company is betting that your dog will stay in perfect health and you end up paying them for nothing. The truth of the matter is that most dogs won’t get a chronic illness or recurring injury that requires regular payouts from an insurance policy. However, you’re essentially paying for your peace of mind. If your motto is: “It’s better safe than sorry,” then a lifetime policy is probably right up your alley. All you can do is weigh the pros and cons and decide whether or not you want or need a lifetime policy for your dog, or if you would rather go for an option with lower premiums, but a less comprehensive level of coverage.

loznnolaLauren Corona is a freelance writer from merry old England. She specializes in writing about dogs and other critters. Lauren lives near Oxford, with her gorgeous Doberman, Nola. When she’s not tapping away at the keyboard, you’ll find her walking in the woods with Nola-dog, raising money for the Oxfordshire Animal Sanctuary, cooking vegan food, making zines and writing about herself in the third person.