Pet insurance - Can you switch lifetime insurance?

This will be my first experience with pet insurance for a puppy. I prefer lifetime insurance but despite lots of Google searches I’m not clear on the following…

1. Does lifetime insurance continue to increase annually, forever, irrespective of whether a claim has been made?

2. Is it then possible to switch lifetime insurance to another provider in order to save money and is this even possible if the dog has a chronic condition?

3. If the above is not possible, then are you technically stuck with one insurer forever who can increase the premium to whatever they like?

4. Is it best to claim for vet fees that you can’t afford or should you claim for all vet contacts?


  • TELLIT01TELLIT01 Forumite
    15.1K Posts
    Eighth Anniversary 10,000 Posts Name Dropper PPI Party Pooper
    1.  Yes there will be annual increases.  The amount will depend on the claim history of the insured animal.

    2.  You may be able to change insurer, but almost certainly not if the animal has a chronic condition.  That condition would either be excluded from cover or the premiums unaffordable.

    3.  Pretty much correct.

    4.  The more you claim, in theory the higher subsequent premiums, so paying bill you can afford would seem logical.
  • elsienelsien Forumite
    30K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just to add to points 1 and 4 above. Some insurers hoik up the price after a claim more than others so the answer is "it depends."

    I am with Petplan who say that they don't increase the premium as the direct result of any claim. Although the premium still goes up every year because my dog is getting older and vet costs generally are going up.  So I don't tend to claim for anything below the excess amount but I do claim for most things when it gets to about £30 over and above that. 
    Other cheaper insurers may look more at your claim history when deciding the premium. 
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
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