Time-Limited 12-Month Policies
This type of policy covers a condition for up to twelve months from when the condition starts (providing the policy remains in force).
They are also known as a 12-month policies or time limited policies.
Will pay trip cancellation or curtailment costs if you have to cancel as a result of your pet requiring life-saving surgery either whilst you are away and/or shortly before you are due to travel.
The “waiting period” is the term generally used for the time between the start of the policy and when your cover actually starts.
This often only applies to vet treatment for illnesses but some policies also have waiting periods for vet fees for accidents, and other benefits.
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Please note that pet insurance terms often change. Whilst we will do our best to keep this website up to date you must check with the appropriate insurer before making any decisions. If you find any mistakes on this website please do let us know so we can correct it for the benefit of future visitors. Many thanks!