Time limited pet insurance
What does time limited pet insurance mean?
Time limited pet insurance – also called 12-month or annual policies – covers you for vet fees over a 12-month period from the date your pet’s illness or injury first appeared, provided you renew your policy.
After this, if your pet still needs treatment or medication you'll be responsible. This is the most basic of illness-related pet insurance, but can be invaluable if you can't afford the more expensive covers, such as maximum benefit pet insurance or lifetime pet insurance.
Frequently asked questions
Can I claim for a condition again after 12 months?
No. Once you’ve made a claim for a condition it will be excluded from your cover, so you can’t claim again. In fact, you’re unlikely to be covered even if the condition appears in another part of the body. For example, if your dog suffers elbow dysplasia in its front right leg one year and then the following year in the left, you probably won't be able to claim.
It's always best to check, as each insurance provider will deal with a claim differently. It's also very important to read the terms, conditions, clauses and exclusions.
How much does time limited pet insurance cost?
Based on comparethemarket.com figures for February 2018:
- If you’re a cat owner who wants time limited cover, we’ve found 50% of customers could pay up to £3.34 a month*
- If you’re a dog owner who wants time limited cover, we’ve found 50% of customers could pay up to £4.70 a month**
*50% of people could achieve a quote of £3.34 per year/month for their time limited cat insurance based on Compare the Market data in November 2018.
**50% of people could achieve a quote of £4.70 for their time limited dog insurance based on Compare the Market data in November 2018.
What are the benefits of time limited pet insurance?
This type of pet insurance is a good solution if:
- you need basic illness-related pet insurance
- you have an older pet – there’s no age limit for this type of insurance
What are the disadvantages of time limited pet insurance?
This type of insurance doesn’t offer the most comprehensive cover.
- You can only make a claim for a specific condition once
- Policies will often state a set amount to cover vet fees. In some this will be per condition, in some it will be a total amount for all conditions in the 12-month period
- There’s always an excess to pay – there will be a minimum amount, but you can sometimes opt to pay a percentage towards the vet bill yourself to reduce your monthly premium.
What isn’t covered by time limited pet insurance?
It’s unlikely pre-existing conditions will be covered. It also won’t cover:
- routine health visits
- worm and flea treatment
What other types of pet insurance are there?
As well as time limited, you have three other pet insurance options:
Accident only pet insurance – this covers your pet in the event of an accident, but not for long-term illness.
Lifetime pet insurance – covers you for vet fees for the whole of your pet's life (depending on the terms of your specific policy) and assuming you renew the policy each year.
Maximum benefit pet insurance – protects you from the cost of illnesses and accidents up to a maximum amount per condition, but there’s no time limit on how long you can claim for. This can be useful if your pet experiences a chronic or persistent illness.
Compare time limited pet insurance
If you'd like to compare time limited insurance policies, we can help.
Get a quote in less than one minute.
Start a quote by simply telling us a bit about you and your pet. Once we have all your information we'll provide you with quotes for relevant time limited policies that meet your specific needs. Your pet insurance quote will then be saved if you want to make changes or come back to it later.