Time limited pet insurance

Worried about the expensive pet insurance premiums? Consider time limited pet insurance and compare deals now.

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If your pet is healthy and you want to keep insurance premiums down, you might want to consider time limited pet insurance. This can cover against any injury, accident or illness for a fixed amount of time and often for up to a fixed amount of money. Read our guide to understand how time limited pet insurance works and if it can offer you the right kind of cover for your pet.

What is time limited pet insurance?

Time limited pet insurance offers basic cover for eligible short-term health conditions or accidents within a certain period of time, usually 12 months.

Policies vary between insurance providers but by and large, you’ll find a set amount is allocated to treat each injury or illness. And there will also be a set amount of time in which your pet can receive treatment for each injury or illness.

After the set amount of time has ended, the policy will need to be renewed. But if a claim was made for a particular condition during the previous policy period, that same condition would then be excluded from the new policy as the insurer would now refer to it as a pre-existing condition and you would be left footing any cost relating to the pre-existing condition.

Policy conditions will also vary between pet insurers. For example, with time limited pet insurance being offered to a pet for a period of 12 months, some insurers may consider beginning that 12 month time period from when the injury or condition is first discovered or diagnosed. Other insurers may consider beginning that 12 month time period once the very first treatment begins. Alternatively, there may be some insurers that actually begin the 12 month time period from when the first claim is made.
It’s always wise to shop around and compare deals and the cover offered to ensure you have the right level of protection for your needs.

What does time limited pet insurance cover?

Under this policy, pet insurers will cover any veterinary bills associated with a particular accident or illness up to a certain amount and for a certain amount of time. Once the limit has been reached or the time period runs out, you won’t be able to make any further claims and the injury or illness will become a pre-existing condition.

What does time limited pet insurance not cover?

  • Pre-existing conditions
  • Routine check ups or vaccinations
  • Pregnancy
  • Worm or flea treatment
  • Bilateral conditions, which are injuries or conditions that develop in a body part in one side of your pet where there is an identical part on the other side, such as eyes, ears or hips, etc.

What other types of pet insurance are available?

Pet insurance is generally available in four different types. Besides time limited pet insurance, there is:

  • Lifetime pet insurance. This offers the most comprehensive cover for your pet throughout its lifetime but usually comes at a high price. These policies are usually renewed each year.
  • Maximum benefit pet insurance. This offers cover for conditions and accidents up to a certain amount. Once that limit has been reached, the insurer won’t pay out any more and it’s the pet owner’s responsibility to cover any bills.
  • Accident only pet insurance. This offers a basic level of cover and will usually come with payout or time limits. It may also include cover if your dog is responsible for injuring someone else but this can vary with insurers.

Pros and cons


  • It is the most affordable cover that protects against illnesses or conditions.
  • There usually isn’t an upper age limit so older pets can take advantage of this policy.


  • Treatment for an accident or condition will only usually last 12 months.
  • You will likely only be able to make one claim per condition or injury.
  • A policy term is usually 12 months so if treatment for an accident or condition continues into the next year, it will likely be excluded from cover thereafter and be referred to as a pre-existing condition.

Frequently asked questions

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.

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