Common Types of pet insurance policies
12 Month/Annual/Time Limited Policies
These policies will cover a condition for 12 months from the point when it was first noted on
your pet’s clinical history; after that time, the condition will be excluded – even if no
treatment has been given. Financial limits may also apply.
Maximum Benefit Policies (Individual Condition Cover)
With this type of policy, you can claim a maximum amount for each condition without a
time limit. After the maximum has been reached, the condition will be excluded.
Lifelong Cover
Lifelong policies provide cover that renews the amount available at the start of each policy
year. As such, these policies provide ongoing cover for long-term conditions (arthritis,
heart/kidney problems, skin disease etc.) Benefit limits can be ‘per condition’ or an annual
amount for all conditions.
Policy types and cover included vary between insurance companies. Please read the terms &
conditions for each policy carefully.
