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Accident only pet insurance

Accident only pet insurance covers your pet’s vet bills if they’re hurt in an accident, but not if they become ill.

Most accident-only policies last for 12 months and if ongoing treatments are needed after that, they may not be covered. Always remember to check the upper limit on how much you can claim – there’s usually a cap.

Time-limited pet insurance

Time-limited pet insurance covers illnesses as well as accidents, for up to 12 months from when the condition was diagnosed or up to the limit of the policy, whichever happens first. Once either limit is reached, the condition is no longer covered even if you renew. Pre-existing conditions aren’t covered either.

Lifetime pet insurance

Lifetime pet insurance is the most comprehensive pet insurance available. Provided you maintain the policy, your pet could be covered for accidents, injuries and illnesses throughout its life and beyond – as well as the cost of putting your pet down, cremation and burial costs may also be included. Policies have limits on claims per year or per condition – or sometimes both.

Maximum benefit pet insurance

Maximum benefit pet insurance covers accidents and illnesses up to a maximum amount per condition. Once you’ve reached the limit, you’re no longer covered for that particular condition.

This may be a disadvantage if your pet develops a serious long-term condition that requires costly treatments.