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Policy Details

NCI Pet Insurance - Cover4Life

Policy Details

Policy TypeVet Fees LimitExcess RangeContribution RangeMaximum AgeWaiting PeriodVet HelplinePay Vet DirectPrice Comparison SitesOnline DiscountMultiple Pet Discount
Lifetime Annual Benefit £ 4,000 £70-£90 0-10% 6-8 yrs 14 Days NoNo


Whilst we have taken great care in ensuring the information below is accurate, we cannot be responsible for its accuracy and you must check all the details with the insurer before purchasing the policy.
The details below relate to the current policy available from the insurer. Terms for existing policies you have may be different.

  • Key Points
  • Complementary Therapy
  • Excess/Contribution
  • Older Pets
  • This policy cover vet fees, third party liability claims and travel abroad.
    It also provides limited cover for some other benefits including dental treatment.
    It covers a full range of complementary therapy and alternative medicine.

  • The following complementary medicine is covered

    Chiropractic manipulation
    Homeopathic or herbal medicines.
    Hydrotherapy is limited to 10 sessions.

    The cover limit for complementary therapy is £750. This comes out of your vet fees limit.

  • The standard excess is £70 for cats and £90 for dogs per condition per policy year.
    If your pet is over 10 years (7 years for selected breeds) you will also have to pay 10% of the treatment costs.
    The excess for third party liability claims is £250.

  • New policies are available for pets under 9 years of age (7 years for selected breeds of dog).
    If your pet is over 10 years (7 years for selected breeds) you will also have to pay 10% of the treatment costs.

Benefits Covered? Cover Limits
Additional Benefits

Third Party Public Liability

£ 1,000,000

Death/Loss Benefits

Accidental Death

Death by Illness

Lost or Stolen

Emergency Care (Boarding Fees)

Boarding Kennels

£ 250

Daily Minding

£ 250

Overseas Travel

Vet Treatment Abroad



£ 1,500

Loss of Documents


Repeat Worming


Emergency Expenses

£ 500

Other Benefits


£ 250

Holiday Cancellation

Accidental Damage

Behaviour Consultation


Referral Travel Cost

Checkout a Policy


Please note that pet insurance terms often change. Whilst we will do our best to keep this website up to date you must check with the appropriate insurer before making any decisions. If you find any mistakes on this website please do let us know so we can correct it for the benefit of future visitors. Many thanks!


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