Lifetime
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**.
Despite pets being a huge part of our lives, unfortunately 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 protects you financially against:
…And much more. Plus with lifetime pet insurance, you get cover for your pet’s whole life – as long as you renew annually.
Check out our complete guide to whether pet insurance is worth it to find out more about its benefits.
Get Petgevity cover from just 44p a day.
That’s £9.81 a month or £117.77 a year.
^The above figure was 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.
Quick payment
Our claims were paid on average in 3.5 days in 2025
Average paid
Our average claim paid in 2025 was £526.77‡
Approval rate
89.68% of claims submitted were approved in 2025‡
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
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.
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
Tailor your policy to your pet’s needs
Choose a vet fee limit up to £15k, plus any optional extras you want to add. Then choose if you wish to pay an excess (the amount you pay towards a claim) or co-payment.
Claim multiple times in a year, up to your chosen limit
If your pet is injured or falls ill, meaning you need to make a claim, the cost comes off your chosen annual vet fee limit – the cap on what you can claim each year.
For each year you renew, your vet fee limit resets
If you stay with Petgevity on renewal, the amount you’ve claimed towards your limit refreshes. This means you’ll be covered for repeated illnesses.
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.
Want to know more about specific treatments covered by Petgevity? Let’s dig a little deeper…
Does pet insurance cover surgery?
Your pet insurance policy covers any necessary surgery, up to your chosen vet fee limit – minus any excess or bill share on your policy. It doesn’t cover cosmetic surgery though.
Are MRI and CT scans covered?
All Petgevity policies cover MRI and CT scans up to your chosen vet fee limit or £2,000 – whichever is lower.
Is dental treatment included?
Dental accidents are covered, and cover for dental illness can be added as an extra for a fee. Dental Illness cover protects you up to your chosen vet fee limit or £5,000 – whichever is lower.
Is poisoning covered?
Yes, treatment for poisoning is included, up to your chosen vet fee limit.
Are hereditary conditions covered?
It depends. With Petgevity Lifetime Plus, we consider cover for any pre-existing condition, as long as they’re declared when you apply for your policy.*†
Is euthanasia covered?
Yes, we cover your pet being put to sleep as part of your vet fees (if recommended or agreed by your vet), up to £250.
Is overseas travel covered?
Travel and Holiday cover can be added as an extra to your policy for a fee. This means you can get treatment overseas up to your chosen vet fee limit. It also covers emergency return home up to your chosen amount, and cancelling or cutting short your trip up to £5,000.
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.
†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.
Though not all, the majority of claims you make on pet insurance are likely to be for vet fees. You can claim multiple times in a year, up to the limit stated in your policy. So for the highest level, you can claim up to £15,000.
Good to know: When you claim, we can either pay you, or pay your vet directly – provided your vet practice agrees.
An excess is the amount you pay towards a claim.
Let’s say you set your excess at £100:
A bill share, otherwise known as co-payment, is a percentage of the vet bill you share after the excess.
For example, if you’ve chosen an excess of £100 and 10% bill share, and make a claim for £1,000:
Note that with a Petgevity Lifetime policy, there’s a compulsory 20% bill share if:
With a Petgevity Lifetime Plus policy, there is no compulsory bill share, regardless of age.
When your cat or dog is living with health conditions, getting pet cover with a new provider can be tricky to say the least.
Any health concerns which have either been diagnosed or symptoms have presented themselves before taking out insurance are known as pre-existing conditions.
Here’s what we mean by pre-existing condition at Petgevity:
Here’s what we mean by ‘anything’:
Some pet insurance providers will exclude these if you try to switch, meaning you may only be covered for new conditions which develop. Other providers may offer limited cover and/or mandatory excesses.
If you take out a Petgevity Lifetime Plus policy, we’ll consider cover for all declared pre-existing conditions*.
If we agree to cover ongoing conditions, we only cover treatment if their health gets worse.
So we’ll cover:
We won’t cover:
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.
Choosing a cheaper pet insurance policy might help reduce your monthly costs – but it could be a false economy.
Vet treatment can be expensive, so it’s important to choose a policy with a vet fee limit that offers adequate protection. Otherwise, you may have to cover any shortfall yourself and could face fewer treatment options for your pet.
If you need to stick to a budget, here’s how to potentially pay less for your pet insurance:
“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
Members of the Petgevity family get unlimited calls to experienced, UK-registered vets. Get 24/7 advice to keep your pets healthy and happy.
Here are some of the important things to know about your policy admin.
When does cover start?
When you buy a new policy, cover begins after a waiting period. To begin with, you will not be covered for:
These waiting periods don’t apply if you’re renewing a policy, or switching to Petgevity from a like-for-life lifetime policy from another provider.
You also have a 14-day cooling off period in which you can cancel the policy if it doesn’t meet your needs. As long as you haven’t claimed on the policy, you’ll receive a full refund.
How do I renew my policy?
Policies are set to automatically renew unless you opt out, which you can do at any time.
We’ll send you a reminder 21 days before your policy is due to renew, including your premium for the next year.
Will my premium change?
It’s likely to, yes. With lifetime pet insurance, generally speaking the cost of cover will increase as your pet gets older. This reflects the increased risk of treatment for illnesses and newly developed conditions.
How do I cancel my policy?
As mentioned, you can cancel within the 14-day cooling off period and – provided you haven’t claimed on the policy – you’ll get a full refund.
After the first 14-days, you can still cancel your policy. Just let us know. If you haven’t made a claim, or your claim has been declined, we’ll cancel your policy and:
We won’t refund any premium if a claim is made on the policy. If the claim is due to death, loss, theft or straying, then we’ll only charge you for the cover you received. For other claims, you’ll need to keep paying your monthly premium.
What happens if I miss a payment?
If you miss a monthly payment:
You can settle up either by calling us and paying over the phone, or pay online in ‘my account’.
After this period, if you still haven’t paid – and you haven’t contacted us to make us aware of any issues – the policy will automatically cancel.
If you’re having trouble with payments, please contact us. We understand that it can be difficult, and we’d rather hear from you to help come to some arrangement.
Petgevity is authorised and regulated by the Financial Conduct Authority (FCA). This means we’re compliant with high ethical and professional standards, and adhere to strict consumer duty regulations.
To find out more, read our:
If you make a complaint and believe it hasn’t been handled appropriately, or you’re unhappy with the outcome, it can be referred to the Financial Ombudsman Service. You have 6 months from the date of your final resolution letter to contact FOS.
With our Lifetime Plus policy, we’ll consider all pre-existing conditions*. Just tell us about any conditions when getting a quote directly.
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.
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, having pet insurance in place 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.
With a Petgevity policy, you can protect your kitten or puppy from four weeks of age.
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.
With a Lifetime Plus policy, your pet’s pre-existing conditions could be covered*. We’ll ask you a few questions about your pet’s health over the two-year period leading up to the policy. This will influence the price you pay, although it will fairly reflect any conditions which can be covered. And then you’ll have peace of mind that they’re protected if any conditions worsen, or new conditions develop.
Read more about our pre-existing conditions pet insurance.
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.
†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.
‡Excluding open claims