Puppy Insurance Prices UK
Cockapoo Insurance UK & More

Lifetime insurance is the gold standard of pet cover. It provides continuous protection for ongoing conditions throughout your dog's life, with the annual limit resetting each year when you renew.

If your puppy develops diabetes, hip dysplasia, or any chronic condition, lifetime cover continues paying for treatment year after year - provided you renew without a break. This is particularly important for breeds prone to hereditary conditions like French Bulldogs, Cavalier King Charles Spaniels, and Dachshunds.

Time-limited policies cover each condition for a set period (usually 12 months) or up to a maximum amount per condition. After that, the condition becomes excluded.

This type is cheaper than lifetime cover but has significant drawbacks. If your dog develops a condition requiring ongoing treatment - like allergies, arthritis, or heart disease - you'll need to pay out of pocket after the 12-month period ends. Consider this carefully before choosing based on price alone.

Maximum benefit policies set a fixed amount you can claim per condition (e.g., £2,000 for hip problems) with no time limit. Once you reach that limit, the condition is excluded forever.

This can work well for acute conditions that resolve quickly, but chronic conditions can easily exceed the limit within months. For example, treating IVDD (common in Dachshunds) can cost £5,000-£10,000 for surgery alone, quickly exceeding most maximum benefit limits.

Accident-only policies are the cheapest option but only cover injuries from accidents - not illnesses. This means broken bones and road traffic accidents are covered, but cancer, infections, allergies, and hereditary conditions are not.

While this might seem like a good way to save money, illness claims actually make up the majority of pet insurance claims. Most pet owners find accident-only cover insufficient when their dog gets sick and they face a large vet bill with no support.