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