Time Limited cat insurance
Cover for accidents and illnesses for a maximum of 12 months or until your chosen vet fee limit has been reached.
What our Time Limited policies cover
Our Time Limited policies provide cover for vet fees for accidents or illnesses up to your chosen vet fee limit, for a maximum of 12 months.
The 12-month period starts from the date that you, your vet, or a treating professional first noticed signs or symptoms of the condition. If your vet agreed that you could monitor the condition without treatment, the 12 months starts from the date your vet recommended you start treatment for your pet’s condition.
If your policy is due to renew during the 12-month period and you haven’t reached your vet fee limit, you must renew to continue cover for that condition. Renewing your policy means that the 12-month period can continue but you will need to keep paying your premium.
If you don’t renew, your cover will end at the renewal date. If you do renew, we will continue to cover the condition until either the 12-month time limit has passed, or you've reached your vet fee limit – whichever happens first.
After 12 months, or when the vet fee limit is reached, we won’t cover the accident or illness again.
Here is an example of a Time Limited policy with a condition limit of £2,000 and annual limit of £7,000.
You claim £2,000 vet fees for treatment for your cat’s heart disease, £2,000 for the removal of a tumour and £2,000 for a skin condition and £1,000 for an eye ulcer, all of this could be covered because it is less than the £7,000 annual limit and no claim goes over the £2,000 condition limit. If there was another claim for any amount, it wouldn’t be covered because it would be over the annual £7,000 limit.
Would you like to know more?
Read through our policy documents for more information.
Already an existing customer?
Please refer to the policy documents we sent you when you took out or renewed your policy. You can Login to your online account to view these.
Did you know...
All our cat policies give you free vet video consults 24/7/365 through the Joii app.
Amount of cover
Time limited policies offer an affordable solution to those requiring short term cover without incurring the costs of lifetime insurance policies. These policies also include additional benefits such as cover for if your cat is stolen or goes missing (if you paid for them) or if they injure someone or damage their property - providing extra protection and assistance to complement your cover limit.
Select a policy below to see all cover limits, excess and additional benefits. Not sure how much cover you need? Find out the cost of vet fees.
Vet fee benefit
- £1,000 – this is the most you can claim for each accident or illness
- £4,000 – this is the most you can claim, in one policy year for all accidents and illnesses
- Included within your vet fee benefit limit
- £500 per condition for complementary treatment
Vet fee excess options: £69, £99, £159, £199 and £249
Co-payment: 20% of each vet fee claim once your cat reaches the age of 10
Additional benefits
We cover up to the amounts shown below:
| If your cat injures someone or damages their property. | £2m | If your cat causes accidental damage in someone else's home. | x |
| If your cat dies or is put to sleep. | £500 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your cat needs urgent medical care. | x | If you can’t look after your cat because you’re in hospital. | £500 |
| If your cat goes missing or is stolen. | £500 | If your cat needs urgent medical care abroad. | £750 |
| Transport costs if your cat needs treatment at another vet or hospital. | x | Cremation or burial. | x |
Vet fee benefit
- £2,000 – this is the most you can claim for each accident or illness
- £7,000 – this is the most you can claim, in one policy year for all accidents and illnesses
- Included within your vet fee benefit limit
- £750 per condition for dental accidents
- £750 per condition for complementary treatment
Vet fee excess options: £69, £99, £159, £199 and £249
Co-payment: 20% of each vet fee claim once your cat reaches the age of 10
Additional benefits
We cover up to the amounts shown below:
| If your cat injures someone or damages their property. | £2m | If your cat causes accidental damage in someone else's home. | x |
| If your cat dies or is put to sleep. | £750 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your cat needs urgent medical care. | £1,000 | If you can’t look after your cat because you’re in hospital. | £750 |
| If your cat goes missing or is stolen. | £750 | If your cat needs urgent medical care abroad. | £1,000 |
| Transport costs if your cat needs treatment at another vet or hospital. | x | Cremation or burial. | x |
Vet fee benefit
- £4,000 – this is the most you can claim for each accident or illness
- £10,000 – this is the most you can claim, in one policy year for all accidents and illnesses
- Included within your vet fee benefit limit
- £1,000 per condition for dental accidents and dental illnesses
- £1,000 per condition for complementary treatment
Vet fee excess options: £69, £99, £159, £199 and £249
Co-payment: 20% of each vet fee claim once your cat reaches the age of 10
Additional benefits
We cover up to the amounts shown below:
| If your cat injures someone or damages their property. | £2m | If your cat causes accidental damage in someone else's home. | x |
| If your cat dies or is put to sleep. | £1,000 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your cat needs urgent medical care. | £1,500 | If you can’t look after your cat because you’re in hospital. | £1,000 |
| If your cat goes missing or is stolen. | £1,000 | If your cat needs urgent medical care abroad. | £1,500 |
| Transport costs if your cat needs treatment at another vet or hospital. | x | Cremation or burial. | x |
Pet insurance premiums increase as your pet gets older. We use a number of things to work out your price each year. These include the age of the pet, where you live and the cost of vet fees. Excesses apply to all our policies and a co-payment is currently payable on claims if you renew your policy after your cat turns 10 years old.
Has your cat been to the vet for anything other than routine vaccinations?
If your cat has been unwell or was injured before, this is known as a pre-existing condition. Pre-existing conditions aren't covered by our policies.
We consider a condition to be pre-existing if it was first noticed before your policy start date or within the waiting period, whether your cat needed treatment previously or not.
How much cover do you need?
Our average vet claim was £902 in 2024.
Knowing how much your cat could cost is important so you’re prepared with the right type of policy and we’re here to help with cover up to £12,500 in a year.
*This figure shows the average cost of vet fees claimed for cats, for the top 15 conditions that were submitted to Animal Friends in 2024.