Let’s take a look…
The cheapest option is Accident only, and the clue’s in the name on this one – it typically only covers your vet bills in the event of your pup having an accident. Illnesses that your paw-some pal develops, won’t be covered.
A Time limited policy, usually runs for 12 months. There’s also normally a cost limit, so once you’ve reached that cap, then you won’t be able to claim anymore.
With these policies, you can claim for any new illnesses your pet develops, recurring illnesses may not be covered when it comes to renewal so you’ll need to read the policy T’s and C’s of. There’s also normally a cost limit, so once you’ve reached that cap, then you won’t be able to claim anymore.
If you don’t want to be limited by time constraints, then Maximum Benefit cover could be a good option. You’ll be insured up to a certain cost limit; but the difference between this and an annual policy, is that you can claim for a condition up until your cost limit has been reached rather than once the 12 months is up. However, read the small print because some policies set cost limits per condition or simply overall. Once you’ve reached your limit for a certain condition; you won’t usually be able to claim for it again.
For a comprehensive policy, opt for Lifetime cover; and as long as you never have a break in cover this could ensure your pet is insured for all new and recurring conditions up to a certain cost limit. When you renew your policy, you’ll still be able to make claims for ongoing conditions.