What does time limited pet insurance mean?
Time limited pet insurance – also called 12-month policies – covers you for vet fees for up to 12 months 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 for the costs. This is the most basic level of illness-related pet insurance, but it can be invaluable if you can’t afford the more expensive covers, such as maximum benefit or lifetime pet insurance.
Frequently asked questions
Can I claim for a condition again after 12 months?
Unfortunately, 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, then the following year in the left, you probably won’t be able to claim.
It’s always best to check, though, as each insurance provider will deal with a claim differently. It’s also important to read the terms, conditions, clauses and exclusions, so you know exactly what you’re covered for.
Is time limited pet insurance right for my pet?
Whether you choose time limited cover for your cat or dog will depend largely on the health of your pet.
This type of pet insurance policy is particularly useful for covering older pets, since there’s no age limit involved. It’s also a good option if you’re looking for a basic illness-related policy for a younger, healthier animal. Policies generally state a set amount to cover vet fees.
However, if your pet suffers from repeats of the same illness, you won’t be able to make a claim for that condition more than once. And if your pet has previously suffered from a condition, most new policies will exclude that condition from any cover.
Remember, you’ll have to pay an excess if you make a claim, but you can opt for a policy where you 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
- pregnancy-related treatments and procedures
- worm and flea treatment.
What other types of pet insurance are there?
As well as time limited, there are three other pet insurance options to choose from:
- Accident only pet insurance – this covers your pet in the event of an accident, but not for long-term illnesses or conditions.
- Maximum benefit pet insurance – covers 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.
- Lifetime pet insurance – covers you for vet fees for the whole of your pet’s life, assuming you renew the policy each year.