Time Limited Pet Insurance

What is time limited pet insurance?

This is a type of pet insurance policy type whereby if your animal friend gets injured or becomes ill you can claim for up to a set sum for a set amount of time.

For instance if your dog was become ill and require regular vet visits, you could claim for the first six months of these (of course depending on the terms of the insurance agreement) up to the set amount. Some insurers may only allow the one claim per condition also so its best to double check the policy terms and conditions before taking out a policy to make sure you know exactly what is and isn't covered.

If either the length of time or the total amount claimed passed the agreed length of time no further claims can be made.

Often its one of the cheaper forms of pet insurance and typically taken by those looking for short term options and older pets.

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What types of pet insurance are there?

Accident only. Will cover your pet in the event of an accident, but won’t cover long-term illness. There may also be limits on the amount of time and money allowed for treatment.

Time Limited. Covers illnesses as well as accidents, but for a limited amount of time only. These policies may also come with a maximum pay-out.

Maximum Benefit. Covers 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. This is the most complete type of pet insurance available. It covers accidents, injuries or illnesses for the lifetime of your pet, subject to limits as advised in the policy. These policies can include extras such as dental cover and expenses for burial.