There are several types of policies to choose from that offer cover in different ways, so it's worth understanding the differences between them and when you could claim and when you would have to pay yourself.
Lifetime policy – this is the most comprehensive pet insurance and will cover conditions throughout your dog's life. You may have an annual limit to the cover provided, but that resets at each policy renewal.
Maximum benefit – This cover will pay for vet fees up to a certain amount. Some polices will cover all conditions, while others will cover you up to a set limit per condition. But, all will only cover the up to the agreed top limits while the policy remains in force.
Time limited – This covers a condition for 12 months. After that, if your dog still needs treatment you'll need to pay all the vets fees and other expenses for that particular condition.
Accident only – this can cover your dog if they have an accident, but it doesn't cover medical conditions or illnesses – so you will have to foot the bill if you dog becomes unwell.
Accident only cover is usually the cheapest option – 50% of people could achieve a quote of £45 per year for their accident only dog insurance based on Compare the Market data in February 2019.