Time Limited Pet Insurance

What is time limited pet insurance?

Time-limited policies exclude conditions which exist before the purchase of the policy. Once in place, they have two parts to them:
     1.   A payment limit for a specific condition - a fixed amount which is paid                   towards the cost of an illness, injury, or accident.
     2.   A set time period in which you can use the insurance - usually 12 months,            you can claim for a condition within this time frame.

After you reach the payment limit or the time frame expires (whichever comes first), you will no longer be able to make a claim for the associated condition.

If a condition were to re-occur in a different part of the body, an insurer would see this in relation to the previous occurrence and might not reset the limits - so keep that in mind. If there was a new or unrelated condition however (and you were still within your limits), you can make another claim.

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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.