Time Limited dog insurance | Animal Friends

Time Limited dog insurance

Fred the puppy Bruce the dog MoneyFact Dog Insurance Provider of the year 2018 award

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.

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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
  • Basic Plus
  • Prime
  • 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.

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Time Limited cover levels

Time LimitedBasic Basic PlusPrimePrime Plus
Annual Condition Limit £500£1,000£2,000£4,000
Annual Policy Limit £3,000£4,000£7,000£10,000
Vets Excess £99£99£99£99
Public Liability £1m£1m£1.5m£1.75m
Theft & Straying £350£500£750£1,000
Advertising & Reward £200£200£200£200
Boarding Kennel/Cattery£100£500£750£1,000
Death of Pet£350£500£750£1,000
Overseas Travel Cover£500£750£1,000£1,500
Holiday Cancellationxx£1,000£1,500
Download Insurance Product Information Document (IPID)

Pet insurance premiums increase as your pet gets older. A 20% co-payment (in addition to the fixed excess) will be added when your dog turns 8.

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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.

Public Liability

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.

Boarding Kennel

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.

Holiday Cancellation

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.