Lifetime Pet Insurance

 

Top Tips

Click here for more top tips on taking your pet abroad.

 

Why do you need Pet Insurance, at any time of year?

There's nothing worse for a pet owner than knowing your pet's problem is treatable, but you can't afford the necessary treatment. It's no wonder that so many pet owners take out Pet Insurance to ensure they can always afford to give their pet the best chance. But you've got to choose the policy that offers the best level of protection, whilst also being great value. helpucover's Dog Insurance, Cat Insurance and Rabbit Insurance polices are competitive and offer comprehensive care and protection for your pet.

 

Key Features:

  • 90 days of veterinary fees cover in eligible countries if your pet travels abroad*
  • Your vet fees are covered for accident, illness and injury
  • We reinstate the full amount of cover each year, so your pet remains covered for life
  • Unlike some other Pet Insurance Plans, with helpucover there is no time limit on how long you can claim for each illness or injury
  • One month's free premium per policy per year, when insuring two or more pets.
  • Dog owners are covered for essential third party liability and legal costs
  • We cover losing a pet due to theft or straying
  • Claim for costs of advertising to recover your lost pet
  • Emergency boarding fees are covered if you are hospitalised and cannot care for your pet
  • Vet nurses are on call 24 hours a day to answer any concerns you have about your pet's wellbeing and to offer advice and information

*Up to £4,000 premiere cover and £750 classic and vital cover.

Our Pet Insurance is so easy to arrange - either on-line or by calling us 0800 038 0833

 

 

Dog Insurance you can rely on

Protect yourself and your dog with affordable Dog Insurance from helpucover. Our Dog Insurance gives you the choice between Lifetime, Per Condition and Time limited cover so you can choose the option you need. Regardless of which Dog Insurance policy you choose, with helpucover you're covered for vet bills for illness or injury, third party liability and legal costs should your dog cause injury or an accident *, boarding fees for your pet if you are hospitalised, holiday cancellation, costs for finding your lost or stolen dog and much more.

* Please note that the Third Party Liability benefit is not available to those dogs that are declared as vicious, having behavioural issues or where there have been complaints or incidents in the last 5 years. In these cases, the monthly premium will be adjusted accordingly.


 LifetimeTime LimitedPer Condition
BENEFITSPREMIER
Lifetime
CLASSIC
Lifetime
VITAL
Lifetime
ESSENTIAL
Time Limited
STANDARD
Per Condition
STANDARD PLUS
Per Condition

Annual Veterinary fees

(Please note once your pet suffers from a medical condition it can become very difficult to get another insurer to offer cover for that condition)

Up to
£6,000
per policy year

Up to
£4,000
per policy year
(Claims for each condition are limited to £1000 each year)

Up to
£2,000
per policy year
(Claims for each condition are limited to £500 each year)

Up to
£1,000
per condition for up to 12 months

Up to
£1,000
per condition

Up to
£3,000
per condition

Third party liability and legal costs

Up to
£2 million

Up to
£2 million

Up to
£2 million

Up to
£2 million

Up to
£2 million

Up to
£2 million

Hospitalisation / Boarding fees

Up to
£1,000
per policy year

Up to
£500
per policy year

Up to
£500
per policy year

Up to
£500
per policy year

Up to
£500
per policy year

Up to
£500
per policy year

Holiday cancellation

Up to
£3,000
per policy year

Up to
£500
per policy year

Up to
£500
per policy year

Up to
£500
per policy year

Up to
£500
per policy year

Up to
£500
per policy year

Finding your dog

Up to
£1,000
per policy year

Up to
£500
per policy year

Up to
£500
per policy year

Up to
£500
per policy year

Up to
£500
per policy year

Up to
£500
per policy year

Loss by theft or straying

Up to
£1,500

Up to
£500

Up to
£500

Up to
£500

Up to
£500

Up to
£500

Death from accident

Up to
£1,500

Up to
£500

Up to
£500

Up to
£500

Up to
£500

Up to
£500

Premium Waiver

Up to
6 months premiums

Up to
6 months premiums

Up to
6 months premiums

Up to
6 months premiums

Up to
6 months premiums

Up to
6 months premiums

Pets Abroad

Up to
£4,000
(benefit paid under this category is considered part of your Vet Fees allowance)

Up to
£750
(benefit paid under this category is considered part of your Vet Fees allowance)

Up to
£750
(benefit paid under this category is considered part of your Vet Fees allowance)

Up to
£750
(benefit paid under this category is considered part of your Vet Fees allowance)

Up to
£750
(benefit paid under this category is considered part of your Vet Fees allowance)

Up to
£750
(benefit paid under this category is considered part of your Vet Fees allowance)



An excess is applicable to all vet fee claims. This is fixed until each annual review but can change if your circumstances change. Also when your pet reaches a certain age it will change from a defined amount to a sum that will be the greater of the defined amount or a percentage contribution.

All policies are subject to special conditions and exclusions of the insurers.

Click here to find out what we do and don't cover

 

To DOWNLOAD and PRINT the Policy Summary and Full Policy in Adobe Acrobat please click on the following link below:

Premier, Classic and Vital Policy Summary & Full Policy

Standard and Standard Plus Policy Summary & Full Policy

Essential Policy Summary & Full Policy

Get Adobe Reader

 

Click on the link below to get a cheap quote now!

Quick Quote

 

Cat Insurance you can rely on

Protect yourself and your Cat with affordable cat Insurance from helpucover. Our Cat Insurance gives you the choice between Lifetime, Per Condition and Time limited cover so you can choose the option you need. Regardless of which Cat Insurance policy you choose, with helpucover you're covered for vet bills for illness or injury and boarding fees for your pet if you are hospitalised, holiday cancellation, costs for finding your lost or stolen cat and much more.

Please view the wide range of cat insurance cover helpucover offers to you and your cat:


 LifetimeTime LimitedPer Condition
BENEFITSPREMIERLifetimeCLASSICLifetimeVITALLifetimeESSENTIALTime LimitedSTANDARDPer Condition

Annual Veterinary fees

(Please note once your pet suffers from a medical condition it can become very difficult to get another insurer to offer cover for that condition)

Up to
£6,000
per policy year

Up to
£4,000
per policy year
(Claims for each condition are limited to £1000 each year.)

Up to
£2,000
per policy year
(Claims for each condition are limited to £500 each year.)

Up to
£1,000
per condition for up to 12 months

Up to
£1,000
per condition

Hospitalisation / Boarding fees

Up to
£1,000
per policy year

Up to
£250
per policy year

Up to
£250
per policy year

Up to
£250
per policy year

Up to
£250
per policy year

Holiday cancellation

Up to
£3,000
per policy year

Up to
£500
per policy year

Up to
£500
per policy year

Up to
£500
per policy year

Up to
£500
per policy year

Finding your cat

Up to
£1,000
per policy year

Up to
£250
per policy year

Up to
£250
per policy year

Up to
£250
per policy year

Up to
£250
per policy year

Loss by theft or straying

Up to
£1,500

Up to
£250

Up to
£250

Up to
£250

Up to
£250

Death from accident

Up to
£1,500

Up to
£250

Up to
£250

Up to
£250

Up to
£250

Premium Waiver

Up to
6 months premiums

Up to
6 months premiums

Up to
6 months premiums

Up to
6 months premiums

Up to
6 months premiums

Pets Abroad

Up to
£4,000
(benefit paid under this category is considered part of your Vet Fees allowance)

Up to
£750
(benefit paid under this category is considered part of your Vet Fees allowance)

Up to
£750
(benefit paid under this category is considered part of your Vet Fees allowance)

Up to
£750
(benefit paid under this category is considered part of your Vet Fees allowance)

Up to
£750
(benefit paid under this category is considered part of your Vet Fees allowance)



An excess is applicable to all vet fee claims. This is fixed until each annual review but can change if your circumstances change. Also when your pet reaches a certain age it will change from a defined amount to a sum that will be the greater of the defined amount or a percentage contribution.

All policies are subject to special conditions and exclusions of the Insurers.

Click here to find out what we do and don't cover

 

To DOWNLOAD and PRINT the Policy Summary and Full Policy in Adobe Acrobat please click on the following link below:

Premier, Classic and Vital Policy Summary & Full Policy

Standard and Standard Plus Policy Summary & Full Policy

Essential Policy Summary & Full Policy

Get Adobe Reader

 

Click on the link below to get a cheap quote now!

Quick Quote

 

Pet Rabbit Insurance for complete care

How we protect your rabbit

Protect yourself and your rabbit with affordable Lifetime Rabbit Insurance from helpucover. Our Lifetime Rabbit Insurance policy means you're covered for vet bills for illness or injury, boarding fees for your pet if you are hospitalised, and help towards the cost of finding your lost or stolen rabbit.


BENEFITSPREMIER

Annual Veterinary fees

(Please note once your pet suffers from a medical condition it can become very difficult to get another insurer to offer cover for that condition)

Up to £2,000
per policy year

Hospitalisation / Boarding fees

Up to £250
per policy year

Finding your rabbit

Up to £250
per policy year

Premium Waiver

Up to 6 months premium

Click here to find out what we do and don't cover


An excess is applicable to all vet fee claims. This is fixed until each annual review but can change if your circumstances change. Also when your pet reaches a certain age it will change from a defined amount to a sum that will be the greater of the defined amount or a percentage contribution.

 

To DOWNLOAD and PRINT the Policy Summary and Full Policy in Adobe Acrobat please click on the following link below:

Premier, Classic and Vital Policy Summary & Full Policy

Get Adobe Reader

 

Click on the link below to get a cheap quote now!

Quick Quote

 

Lifetime Policies - Premier, Classic, Vital

Lifetime Cover is also known as Cover for Life, Renewable Benefit or Reinstatement Policies.

This is the most comprehensive form of pet insurance and offers vet fees cover up to a maximum amount, which is reinstated each year. This means that if your pet develops a long term chronic illness such as diabetes or an ongoing skin condition, provided it didn't pre-date the policy, this will be covered for the rest of your pet's life.

helpucover's Premier, Classic and Vital covers are all lifetime policies:

  • Premier has a maximum benefit of £6000 which is reinstated each year for Dog and Cat. For Rabbit this is a Maximum benefit of £2000.
  • Classic has a maximum benefit of £4000 which is reinstated each year but within that limit you can only claim £1000 for any one condition each year. The £1000 is also reinstated each year which means that the condition remains covered for the life of the policy.
  • Vital has a maximum benefit of £2000 which is reinstated each year but within that limit you can only claim £500 for any one condition each year. The £500 is also reinstated each year which means that the condition remains covered for the life of the policy.

In addition to vet fees, the policies also include other benefits, for example Third Party Liability (for dogs), accidental death, theft and straying, and costs towards finding a missing pet. As with the cover for vet fees, Premier has the highest level of benefits. Please see Benefits for further details.

Once your pet suffers from a medical condition it can become very difficult to get another insurer to offer cover for that condition. This means you could be stuck with an insurer to ensure that your petís pre-existing condition remains covered. So, it is important that you take the time to select your pet insurance company based not just on cost, but on other factors.

 

Why you need a good Pet Insurance Plan

There's nothing worse for a pet owner than knowing your pet's problem is treatable, but you can't afford the necessary treatment. It's no wonder that so many pet owners take out a Pet Insurance Plan to ensure they can always afford to give their pet the best chance. But you've got to choose the policy that offers the best level of protection for great value. helpucover's Dog Insurance, Cat Insurance and Rabbit Insurance polices are competitive and offer comprehensive care and protection.


 

Did you know?

  • Not all Pet Insurance Plans cover your pet against a lifelong illness or condition, but helpucover's Lifetime product provides cover for illness or injury for the rest of your pet's life. helpucover also offers Per Condition and Time Limted policies
  • The average lifespan of a dog is 13-14 years (iheartdogs.com), and cats 15-17 years (www.cathealth.com). So if your pet develops a long-term condition it could prove to be very expensive.

helpucover offers a range of affordable Pet Insurance Plans so you can afford to pay for the treatment your beloved pet needs if they become ill or injured. It also gives dog owners peace of mind to know that you're covered for legal costs or third party liability should your dog cause injury or an accident. Get a Pet Insurance quote from helpucover today.

 

Your Pet Insurance questions answered


  • Back to Questions

    Does my pet need to be vaccinated?

    We advise that your pet receives vaccinations and boosters as recommended by your veterinary surgeon. However if your pet isn't vaccinated for whatever reason, your helpucover Pet Insurance cover is still valid except for those conditions vaccination would have prevented.

    Quick Quote
  • Back to Questions

    If my pet becomes very old or very ill, will you still offer to
    insure him or her?

    Dogs can be accepted up to the age of 8 (5 for select breeds), cats up to 10 and rabbits up to 5. Once insured you may continue your pet's cover for life provided you continue to pay your premiums. If you select a Lifetime policy this means that no matter how ill your pet becomes or however many claims you make, your maximum benefit will be fully reinstated at your annual policy review. With a Per Condition or Time Limited policy, your pet can still be insured for the rest of its life, however the maximum vet fee benefit for each condition is not reinstated each year as once maximums are reached, the condition is excluded.

    Quick Quote
  • Back to Questions

    If I insure more than one pet is there a discount?

    If you insure two or more pets you will receive one month's free premium per policy every year! You will need to apply for each pet separately, but make a note of the policy number you are given for the first policy as you will be prompted to quote this for the following applications.

    Quick Quote
  • Back to Questions

    How long do claims take to be paid?

    As long as your claim form is completed correctly and any necessary supporting documentation is submitted, your claim will be processed within 3 working days of receipt. Your claim will then either be paid or if necessary you will receive further correspondence within three to five working days. Payments will be paid directly into your or your vet's bank account.

    Quick Quote
  • Back to Questions

    Why do premiums vary according to species, breed,
    location and age?

    Different pets in different parts of the country represent different risks for an insurer. helpucover Pet Insurance is committed to charging the right price for the right risk - so you would not be subsidising the premiums of owners with higher risk pets in more expensive areas.

    Quick Quote
  • Back to Questions

    Is there an excess to pay when I claim?

    Yes, an excess is payable, per condition. For Lifetime policies this will be payable per condition, per year. This forms part of your quote and as with your premium, is also based on your pet's species, breed, age and where they live.

    Your vet fee excess is fixed until each annual review but can change if your circumstances change. For example, your excess could go up or down when you move address. We will let you know what your excess change is before it is applied when you contact us to change your personal details. Also, please note when your pet reaches a certain age (see below) it will change from a defined amount to a sum that will be the greater of the defined amount or a percentage contribution.

    • Cats - 10 years
    • Dogs - 5 to 8 years, depending on the breed
    • Rabbits - 5 years

    We will write to you to give you more information a year in advance of the change.

    Quick Quote
  • Back to Questions

    Could I ever run out of cover?

    This depends on the level of cover you choose. With Lifetime cover the benefit limit you select is reinstated each year, so you will never permanently run out of cover. With Per Condition and Time Limited cover, once the limits have been reached for a certain condition, that condition is then excluded from further claims but the benefit levels remain in place for claims on other conditions.

    Quick Quote
  • Back to Questions

    Do you cover diet food?

    For Lifetime Policies we cover 25% of the cost of a clinical diet for your pet for a maximum period of 6 months per condition, provided it is recommended by your vet for a treatable condition other than for obesity/weight loss;

    For Per Condition & Time Limited Policies we cover the cost of any food prescribed by a vet, provided it is:

    • used to dissolve existing bladder stones or crystals in the urine, which is limited to a maximum of 25% of the cost of food for up to 6 months; and/or
    • liquid food, used for up to 5 days while your pet is hospitalised at a veterinary practice, providing the vet confirms the use of the liquid food is essential.
    Quick Quote
  • Back to Questions

    My dog was free, is his insurance cheaper?

    Most of your premium goes towards providing your veterinary fees benefit and the factors influencing the cost here are the age of your pet, where you live and the breed - not necessarily whether he or she was free, a gift or a Crufts Supreme Champion!

    Quick Quote
  • Back to Questions

    Is proof of purchase price always needed?

    We would need to know how much you paid for your pet if you unfortunately have to claim loss or death benefits. Without a purchase receipt we would only pay you the market value of your pet. This is the price generally paid for an animal of the same age, breed and pedigree at the time you obtained your pet. Proof of purchase is especially important where you may have paid more for your pet than would be expected for the breed.

    Quick Quote
  • Back to Questions

    Would previous problems be covered?

    We cannot cover conditions that have been treated or are manifest before you take out your policy. Some conditions, however, may have completely resolved. If you feel we have excluded a pre-existing condition unfairly you may contact us to discuss the matter.

    Once your pet suffers from a medical condition it can become very difficult to get another insurer to offer cover for that condition. This means you could be stuck with an insurer to ensure that your petís pre-existing condition remains covered.

    So, it is important that you take the time to select your pet insurance company based not just on cost, but on other factors. Here at helpucover we know how much you love your best friend and we are more than just an insurer. We offer great customer service and values, healthcare advice and give you a choice of cover options.

    Quick Quote
  • Back to Questions

    Would you insure a deaf and / or blind animal?

    Yes, although if the deafness or blindness meant ongoing treatment we could not cover the cost of that. Any new illnesses or accidents would be covered, as long as they are not as a result of their existing condition.

    Once your pet suffers from a medical condition it can become very difficult to get another insurer to offer cover for that condition. This means you could be stuck with an insurer to ensure that your petís pre-existing condition remains covered.

    So, it is important that you take the time to select your pet insurance company based not just on cost, but on other factors. Here at helpucover we know how much you love your best friend and we are more than just an insurer. We offer great customer service and values, healthcare advice and give you a choice of cover options.

    Quick Quote
  • Back to Questions

    Do you pay for dental treatment?

    If your pet requires dental treatment we would pay as long as your pet has been insured under the policy for at least 2 years and no dental treatment has been recommended during this time and your pet's teeth are regularly checked at annual intervals. We will not pay for routine checkups however or elective or cosmetic dentistry.

    Quick Quote
  • Back to Questions

    Would milk teeth be covered if they don't come out naturally?

    Yes, provided your pet is insured before they are 16 weeks old and your vet recommends that they should be removed.

    Quick Quote
  • Back to Questions

    Would you pay for neutering?

    If your vet recommends your pet is neutered for medical or behavioural problems your insurance will cover the cost. We do not cover elective castration or spaying.

    Quick Quote
  • Back to Questions

    Do you cover phantom pregnancies?

    Yes. If these are persistent and your vet recommends spaying, we would also cover the cost of neutering in this instance.

    Quick Quote
  • Back to Questions

    Would a flea infestation be covered?

    We would expect you to take the necessary preventative measures to prevent problems with fleas. Your insurance would not cover this.

    Quick Quote
  • Back to Questions

    Do you cover epilepsy?

    Yes. As long as the first episode doesn't predate the start of your helpucover Pet Insurance policy or occur within the first 14 days.

    Once your pet suffers from a medical condition it can become very difficult to get another insurer to offer cover for that condition. This means you could be stuck with an insurer to ensure that your petís pre-existing condition remains covered.

    So, it is important that you take the time to select your pet insurance company based not just on cost, but on other factors. Here at helpucover we know how much you love your best friend and we are more than just an insurer. We offer great customer service and values, healthcare advice and give you a choice of cover options.

    Quick Quote
  • Back to Questions

    Am I covered for veterinary fees as soon as I take out cover?

    Accidental injury is covered after the first 3 days of the policy. Illness, including poisoning is covered after the first 14 days of the policy.

    Quick Quote
  • Back to Questions

    What is Lifetime Cover - Premier, Classic, Vital?

    This is the most comprehensive form of pet insurance and offers vet fees cover up to a maximum amount, which is reinstated each year. This means that if your pet develops a long term chronic illness such as diabetes or an ongoing skin condition, provided it didn't pre-date the policy; this will be covered for the rest of your pet's life. helpucover's Premier, Classic and Vital covers are all lifetime policies.

    Once your pet suffers from a medical condition it can become very difficult to get another insurer to offer cover for that condition. This means you could be stuck with an insurer to ensure that your petís pre-existing condition remains covered.

    So, it is important that you take the time to select your pet insurance company based not just on cost, but on other factors. Here at helpucover we know how much you love your best friend and we are more than just an insurer. We offer great customer service and values, healthcare advice and give you a choice of cover options.

    Quick Quote
  • Back to Questions

    What is Per Condition Cover

    These policies impose a maximum benefit per condition. So, to take the example of an ongoing illness such as diabetes or dermatitis, once that maximum is reached, that condition will then be excluded from further claims and you will need to be prepared to fund the ongoing treatment yourself. helpucover's Standard and Standard Plus covers are per condition policies.

    Once your pet suffers from a medical condition it can become very difficult to get another insurer to offer cover for that condition. This means you could be stuck with an insurer to ensure that your petís pre-existing condition remains covered.

    So, it is important that you take the time to select your pet insurance company based not just on cost, but on other factors. Here at helpucover we know how much you love your best friend and we are more than just an insurer. We offer great customer service and values, healthcare advice and give you a choice of cover options.

    Quick Quote
  • Back to Questions

    What is Time Limited Cover

    These policies also offer per condition cover but with a time limit on claims. So, a particular condition will become excluded under the policy either when the maximum amount has been paid out or 12 months from first date of treatment, whichever is the sooner. helpucover's Essential cover is a time limited policy.

    Quick Quote
  • Back to Questions

    Are there any breeds you do not cover?

    We do not cover the following breeds -
    American Bull Dog, American Indian Dog, American Staffordshire Terrier, Boerboel, Cane Corso, Canary Dogs, Dogo Argentino, Fila Brasilerio, Husky Wolf Hybrid, Irish Blue Staffordshire Terrier, Irish Staffordshire Terrier, Japanese Tosa, Pit Bull Crosses, Pit Bull Terrier, Wolfdog.

    Quick Quote

 

More about our Pet Insurance - in detail

  • Cover for vet fees in the event of accidents, illness and injury
  • Vet Nurses on call 24 hours a day on our Petcall helpline to answer any concerns you may have over your pet's wellbeing
  • The cost of advertising to recover your pet if its lost or stolen
  • Emergency boarding fees if you fall ill and are unable to care for your pet
  • Up to £2,000,000 third party liability and legal cost cover for dog owners - essential if your dog bites the postman or causes a car accident
  • A cash sum if you need to cancel a holiday as a result of your pet being seriously ill
  • A cash sum should your pet die as a result of an accident,
  • Cover for vet fees abroad with the Pet Travel Scheme
 

helpucover offers a full range of lifetime, per condition and time limited policies.

  • Our pet insurance covers dogs, cats and rabbits
  • Our lifetime policies cover long-term illness

 

 LifetimePer ConditionTime Limited
 VitalLifetimeClassicLifetimePremierLifetimeStandardPer ConditionStandard PlusPer ConditionEssentialTime Limited
Catcheck imagecheck imagecheck imagecheck image check image
Dogcheck imagecheck imagecheck imagecheck imagecheck imagecheck image
Rabbit  check image

If you need help in deciding what cover is best for you, call us on 0800 038 0833. And if you've not already done so, get an instant quote now to find out how little it will cost to protect your pet.

 

If you would like to view the policies in more detail, simply click on the links below to see the full policy

To DOWNLOAD and PRINT the Policy Summary and Full Policy in Adobe Acrobat please click on the following link below:



Get Adobe Reader