What this insurance policy covers
Cover for accidents, illnesses and conditions up to a maximum of 365 days from onset or until the individual condition limit is reached – at this point the cover for that condition will stop and you will not be able to claim for it again. This policy itself has an annual limit for payouts – when reached, cover for all claims will be suspended until the policy is renewed and its annual limit is refreshed.
Time-Limited cover levels and details
Time limited policies provide a cost-effective dog insurance policy that goes beyond simple accident cover – giving protection against acute illnesses and conditions, and other short-term health issues.
Time Limited policies offer an affordable solution to those requiring cover without incurring the costs of lifetime insurance policies.
So, say your dog was to suffer from arthritis, we would look to provide cover for 365 days from the onset of the condition, up to the condition limit. Once those 365 days are over, or when you reach the condition limit, we would apply an exclusion on your policy relating to bone diseases.
We offer a range of Time Limited policies featuring individual condition cover levels from £500 to £4,000 and annual policy limits from £3,000 to £10,000
- Basic Plus
- Prime Plus
Unlike our Accident Only policy, our Time Limited policies provide extra benefits for you and your dog, just in case. These benefits include things like:
- Public Liability
- Theft & Straying
- Advertising and Reward
- Boarding Kennel
- Death of Pet cover
- Overseas Travel Cover
- Holiday Cancellation
They provide extra features to broaden the scope of the cover and increase your peace of mind.
Time Limited cover levels
|Time Limited||Basic||Basic Plus||Prime||Prime Plus|
|Annual Condition Limit||£500||£1,000||£2,000||£4,000|
|Annual Policy Limit||£3,000||£4,000||£7,000||£10,000|
|Theft & Straying||£350||£500||£750||£1,000|
|Advertising & Reward||£200||£200||£200||£200|
|Death of Pet||£350||£500||£750||£1,000|
|Overseas Travel Cover||£500||£750||£1,000||£1,500|
|Download Insurance Product Information Document (IPIDTime-Limited-Web-April)|
Pet insurance premiums increase as your pet gets older. A co-payment is currently payable on claims if you renew your policy after your dog turns 8.
Time Limited policy benefits
The Time Limited policies have benefits to provide extra cover above and beyond vets’ fees, as detailed below. Please note that cover levels differ by plan, and not all plans may feature all of the benefits – please refer to the cover level table above for further details.
All benefits have a payout limit as specified in the chosen plan, as detailed in the table above.
This will provide cover towards third party death, injury or property damage as a result of an accident involving your dog where you are found legally liable.
Theft & Straying
This will cover a percentage of the market value, purchase price or the amount specified in your schedule, if your dog goes missing and is not found within 45 days.
Advertising and Reward
This will provide cover towards advertising if your dog is lost or stolen, and provide an award for the return of your dog.
This will provide cover towards the cost of boarding your dog should you have to spend more than 4 consecutive days in hospital.
Death of Pet
This will cover a percentage of the market value, purchase price or the amount specified in your schedule, if your dog passes away.
Overseas Travel Cover
This will provide cover towards emergency vet treatment abroad.
This will provide cover towards the costs of the cancellation or curtailment of your holiday because your dog needs life-saving surgery following an accident or illness within 14 days of your holiday.