Time Limited cat insurance

Covers vet fees for accidents, illness and conditions for a limited period of time only.

What our Time Limited policies cover

Our Time Limited policies cover each new condition for 12 months from the date your cat first shows any signs or symptoms – as long as you renew your policy.

Once you reach your limit – or after 12 months, whichever comes first – you will not be able to claim for that condition again but you may be able to claim for other conditions.

The policy has two different limits on how much you can claim in a year. For each condition or illness you can claim up to the condition limit you choose. You can claim for multiple conditions in each year, but there is an annual limit on the total you can claim for.

Get a quote     Excluded breeds

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.

  • Annual condition limit: £1,000
  • Lifetime condition limit: N/A
  • Annual policy limit: £4,000
  • Vet excess: £69, £99 or £159
  • Co-payment: 20% after age 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 For a pet minder, because you’re in hospital. x
Cremation or burial. x

 

  • Annual condition limit: £2,000
  • Lifetime condition limit: N/A
  • Annual policy limit: £7,000
  • Vet excess: £69, £99 or £159
  • Co-payment: 20% after age 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 For a pet minder, because you’re in hospital. x
Cremation or burial. x

 

  • Annual condition limit: £4,000
  • Lifetime condition limit: N/A
  • Annual policy limit: £10,000
  • Vet excess: £69, £99 or £159
  • Co-payment: 20% after age 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 For a pet minder, because you’re in hospital. x
Cremation or burial. x

 

Pet insurance premiums increase as your pet gets older, as the chance of your pet becoming ill increases. 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.

A kitten being held by a lady

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, unless they have been treatment and symptom free for more than 2 years.

We consider a condition to be pre-existing if your cat showed any signs or symptoms of it before your cover start date or within the waiting period of the policy, whether they needed treatment previously or not.

Get a quote

Cat with average vet fee claim for 2020

How much cover do you need?

According to the Association of British Insurers, the average vet claim was £817 in 2020.

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 £18,000 in a year.