Many pet insurance providers declare that they provide ‘lifetime’ policies – genuine lifetime policies mean that pets are covered at a fixed premium with conditions covered for their entire lives. However, in many cases this will be a false claim since prices are often hiked once the animal reaches a certain age and veterinarian cover is still subject to various limits. Furthermore, some nefarious insurers include pre-existing medical condition clauses into their renewals so that any condition that you pet has had will not be covered by your renewed policy.
There are a few providers who do provide legitimate lifetime cover policies and these are definitely worth checking out as they offer good value and comprehensive cover (e.g. Pet Pals).
