Types of Pet Insurance

One of the most important choices you have to make regarding your pet insurance policy is the type of vet fees cover you need.
These range from accident policies which will pay for the treatment of accidents (often for only 12 months after the accident happened) to lifetime policies which will allow you to claim up to the cover limit each year and will continue to pay for treatment throughout the lifetime of the policy.


Accident Policies

Covers: Vet fees for accidents up to the stated financial limit.

Do Not Pay For: Vet fees for illnesses, vet fees for accidents once the time-limits or financial limits have been reached.
Note: There are many types of accident policy so check the time-limits and financial-limits carefully.


Time-Limited 12-Month Policies

Covers: Vet fees for 12 months from when the accident occurs or illness starts up to stated financial limit per condition.

Do Not Pay For:Any vet fees incurred after more than 12 months or any further vet fees once the financial limit is reached.

Note: It is important to realise that you will be liable for any further vet fees in respect of the conditions treated for the rest of your pet’s life as they will be deemed to be pre-existing conditions by your current insurer or subsequent insurer.


Maximum Condition Benefit Policies

Covers: Vet fees up to the stated maximum per condition without time limit (provided the policy stays in force).
Do Not Pay For: Any further vet fees for the condition once the financial limit has been reached.
Note: It is important to realise that you will be liable for any further vet fees in respect of the conditions treated for the rest of your pet’s life as they will be deemed to be pre-existing conditions by your current insurer or subsequent insurer.


Lifetime Annual Condition Policies

Covers: Vet fees up to the stated maximum per condition per policy year. Providing you renew the policy the cover limit will be reinstated at the start of each new policy year. Providing you continue to renew the policy then any conditions which arose after you first took out the policy will continue to be covered.
Do Not Pay For: Any vet fees which exceed the annual condition limit.


Lifetime Annual Benefit Policies

Covers: Vet fees up to the stated maximum benefit each year (to cover all conditions). Providing you renew the policy the cover limit will be reinstated at the start of each new policy year. Providing you continue to renew the policy then any conditions which arose after you first took out the policy will continue to be covered.
Do Not Pay For: Any vet fees which exceed the annual benefit limit.


Other Policies

Unfortunately not all policies fall neatly into one of the above categories. Most of the other policies have more than one financial limit. These maybe annual condition limits, lifetime condition limits or total annual claim limits. These policies may be 12-month time-limited policies or condition limited policies.

Other policies cover new conditions your pet develops during the year but only until the end of that policy year (unlike 12 month policies which will continue to cover these conditions for 12 months from the time the condition started if you renew the policies).

Note: These policies are listed in a separate category on this website so that you are aware that they have more than one financial limit. So be particularly careful with these policies to check you understand the financial limits and whether or not they are time-limited.


IMPORTANT NOTE:

Treatment cover for conditions will only continue while the policy remains in force.

So if you fail to renew a policy when it is due cover for existing conditions will cease immediately and you will become liable to pay any further treatment your pet requires for existing conditions for the rest of their life. This also applies if either you or the insurance company cancel the policy for any reason.

You will not be able to get cover with any other insurance company for the condition as it will be excluded from cover as a pre-existing condition.

Checkout a Policy

Disclaimer

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!

 
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