There are four main types of insurance for dogs:
Accident only - Can cover your dog if it has an accident, but doesn’t offer cover for any illnesses or medical conditions your dog might develop. Accident only cover is usually the cheapest option – we found that half of our customers could get cover for £2.99** a month.
Time limited policy - Can provide cover for any new illnesses or conditions that your dog develops in a 12-month period, but there’s usually a limit on the amount you can claim. You’ll only be able to make a claim for a particular illness or condition once; if the condition returns after that 12-month period, you won’t be covered for any medication or treatment for it.
Maximum benefit - Could cover illnesses and accidents up to a maximum amount per condition. There’s no time limit on making a claim but there is a financial limit, and once you’ve reached that limit you won’t be able to make any more claims.
Lifetime cover - Can cover your dog for accidents, illnesses and medical conditions throughout its lifetime (subject to limits as advised in the policy). You will need to have continuous cover, though, to ensure your dog is insured. As you’d expect, this is usually the most expensive type of policy.