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Lifetime Policies – Premier, Classic, Vital
Lifetime Cover is also known as 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.
American Express’s Premier, Classic and Vital covers are all lifetime policies:
- Premier has a maximum benefit of £6,000 which is reinstated each year.
- Classic has a maximum benefit of £4,000 which is reinstated each year but within that limit you can only claim £1,000 for any one condition each year. The £1,000 is also reinstated each year which means that the condition remains covered for the life of the policy.
- Vital has a maximum benefit of £2,000 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, straying, and costs towards finding a missing pet. As with the cover for vet fees, Premier has the highest level of benefits. Please refer to the policy Terms and Conditions for further details.
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