There are four main types of pet insurance
Just for accidental injuries. Ideal for your accident prone companions.
Time-limited (or per condition with time limit)
Will cover illness along with accidents, for a set amount of time (usually for up to 12 months). These policies will also come with a max payout.
Maximum benefit (or per condition no time limit)
This will cover accident and illness indefinitely, up to a fixed cost. Once this cost is reached, the condition becomes pre-existing, meaning you can’t make further claims for it.
The most comprehensive pet insurance cover available. Will cover accident, injury and illness for the life of your pet. Similar to max benefit, your pet has a fixed cost per condition. However, unlike max benefit, on renewal previous conditions you’ve claimed for before, will be insurable again.