A ‘sub-limit’ (or condition/benefit limit) is basically a lower, unchangeable limit within the annual limit. These limits usually apply to common injuries or conditions (cruciate ligament injury, dental surgery, hip dysplasia), and often apply per year.
For example, if your policy outlines a sub-limit of £2,000 for hip dysplasia, your insurer will only cover this £2,000 as a maximum. The fact that you have a £10,000 annual limit would not apply.
Sub-limits will vary significantly between insurers. It is up to you to read your Policy Wording carefully, which will outline the details in full. It’s a very important factor to consider, to prevent both financial losses and potentially, your pet’s suffering.
