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What is time limited pet insurance?

Time limited pet insurance policies, also known as annual or 12-month policies, cover the cost of vet fees over a 12-month period from the date the illness or injury first appeared. Once the 12-month period is up or you reach the fixed sum amount, your pet will no longer be covered for that particular condition even if you renew your policy.

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Top Rated Providers

Our comparison table is ordered by review score. The review score is the average weighted score based on product quality and user reviews from the last 12 months. Find out more about how our review score is calculated.

  • 1st
    Review Score
    8.9/10

    Based on 76,515 reviews

    Defaqto Rating
    Maximum Vet Fees
    £3k
    per condition
    Excess
    £85|£75
    dog | cat
    Get a Quote Read more
  • 2nd
    Review Score
    8.9/10

    Based on 4,139 reviews

    Defaqto Rating
    Maximum Vet Fees
    £3k
    per condition
    Excess
    £105|£85
    Dog|Cat
    Get a Quote Read more
  • 3rd
    Review Score
    8.8/10

    Based on 34,956 reviews

    Defaqto Rating
    Maximum Vet Fees
    £4k
    annual condition limit
    Excess
    £99
    dog | cat
    Get a Quote Read more
  • 4th
    Review Score
    8.4/10

    Based on 12,450 reviews

    Defaqto Rating
    Maximum Vet Fees
    £1,000
    per condition, per year
    Excess
    £50
    dog | cat
    Get a Quote Read more
  • 5th
    Review Score
    8.3/10

    Based on 1,431 reviews

    Defaqto Rating
    Maximum Vet Fees
    £4k
    per condition
    Excess
    £99
    dog | cat
    Get a Quote Read more
  • 6th
    Review Score
    8.2/10

    Based on 13,703 reviews

    Defaqto Rating
    Maximum Vet Fees
    £1.5k
    per condition
    Excess
    £90
    dog | cat
    Get a Quote Read more
  • 7th
    Review Score
    8.1/10

    Based on 7,876 reviews

    Defaqto Rating
    Maximum Vet Fees
    £4k
    per condition
    Excess
    £95|£85
    dog | cat
    Get a Quote Read more
  • 8th
    Review Score
    8.1/10

    Based on 2,875 reviews

    Defaqto Rating
    Maximum Vet Fees
    £4k
    per policy year
    Excess
    £184|£135
    dog | cat
    Get a Quote Read more
  • 9th
    Review Score
    8.0/10

    Based on 5,603 reviews

    Defaqto Rating
    Maximum Vet Fees
    £2.5
    per condition
    Excess
    £90
    dog | cat
    Get a Quote Read more
  • 10th
    Review Score
    7.7/10

    Based on 1,069 reviews

    Defaqto Rating
    Maximum Vet Fees
    £4k
    per condition
    Excess
    £125
    dog | cat
    Get a Quote Read more
  • 11th
    Review Score
    7.6/10

    Based on 15,274 reviews

    Defaqto Rating
    Maximum Vet Fees
    £3k
    per condition
    Excess
    £100
    dog | cat
    Get a Quote Read more
  • 12th
    Review Score
    7.5/10

    Based on 2,769 reviews

    Defaqto Rating
    Maximum Vet Fees
    £2.5
    per condition
    Excess
    £0
    dog | cat
    Get a Quote Read more
  • 13th
    Review Score
    7.2/10

    Based on 523 reviews

    Defaqto Rating
    Maximum Vet Fees
    £2k
    per policy year
    Excess
    £90
    dog | cat
    Get a Quote Read more
  • 14th
    Review Score
    6.9/10

    Based on 662 reviews

    Defaqto Rating
    Maximum Vet Fees
    £3k
    per condition
    Excess
    £75
    dog | cat
    Get a Quote Read more
  • 15th
    Review Score
    5.6/10

    Based on 207 reviews

    Defaqto Rating
    Maximum Vet Fees
    £3k
    per condition
    Excess
    £120
    dog | cat
    Get a Quote Read more
  • 16th
    Review Score
    3.4/10

    Based on 737 reviews

    Defaqto Rating
    Maximum Vet Fees
    £5k
    per condition
    Excess
    £100
    dog | cat
    Get a Quote Read more

Most time limited pet insurance quotes are provided via Quotezone, who are FCA regulated.

Please note that some of the providers included within our table are not currently offering new policies.

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In this Guide

  • Pros and cons of time limited pet insurance
  • What does time limited pet insurance cover?
  • Can I claim for a condition again after 12 months?
  • What's not covered by time limited pet insurance?
  • Is time limited pet insurance right for me?
  • What other types of pet insurance can I get?
  • Compare pet insurance providers

Pros and cons of time limited pet insurance

Pros:

  • Provides basic illness-related insurance for your pet.
  • There’s no age limit so older pets can be covered.
  • One of the more affordable pet insurance policies.

Cons:

  • You can only claim once for each condition.
  • You always have to pay an excess.
  • Most policies have a maximum limit to how much you can claim.

Can I claim for a condition again after 12 months?

Once you've made a claim for a particular condition, it will be excluded from your cover so you can't claim again. For example, if your dog suffers hip dysplasia in its left hip one year, and then experiences the same in its right hip the next year, it's unlikely that you'll be able to make a claim.

What's not covered by time limited pet insurance?

Exclusions will vary depending on the insurance provider but most time limited pet insurance policies won’t provide cover for routine health visits, pregnancy, worm and flea treatment and vaccinations.

What does time limited pet insurance cover?

Most time limited pet insurance policies provide cover for:

  • Vet fees for treatment for 12 months – there will be a pre-set limit on the amount you can claim within the 12-month period.
  • Third party liability for dogs.
  • Cover if your pet dies as the result of an accident or illness.
  • Advertising and reward costs if your pet goes missing.
  • Boarding fees if your pet needs to be looked after in the event of you being hospitalised.

This will vary depending on the provider that you choose so check the terms and conditions thoroughly so that you know exactly what you are and aren’t covered for.

Is time limited pet insurance right for me?

Time limited pet insurance offers a very basic level of cover compared to maximum benefit and lifetime policies. It covers your pet for short-term illnesses and injuries making it a great option for pet owners of older dogs and cats. It might not be the best policy for younger pets because if they were to suffer from a condition that needed ongoing treatment, they’ll only be covered for a maximum of 12 months or until the vet fee limit has been reached for that particular condition. As soon as the 12 months is up or the monetary limit has been reached, all cover for that condition ends and the condition becomes a pre-existing condition. This means that you’ll have to declare the condition when taking out a future pet insurance policy and cover for that condition will be excluded.

If you have a pedigree pet, you should think carefully about taking out a time limited pet insurance policy. Some pedigree breeds are known to suffer from hereditary illnesses, for example, Labradors are prone to suffer from arthritis. Basic treatment for arthritis in older dogs can cost as much as £15 a day to keep under control. This amounts to a massive £5,475 a year. Arthritis is a lifelong condition so if you only had a time limited policy, you would be forking out over £5,000 a year for the rest of your pet’s life once the condition is no longer covered. And whilst you might be able to find a specialist pre-existing pet insurance policy, you can generally only be covered for the condition once your pet has been symptom and treatment free for 2 years.

It’s important that you weigh up the pros and cons of a time limited pet insurance policy, taking into consideration your pet’s breed, their age and your budget.

What other types of pet insurance can I get?

There are three other types of pet insurance policies available:

Compare pet insurance providers

Compare pet insurance providers on Compare by Review today. We’re the first and only comparison site that ranks pet insurers exclusively on customer experience and product quality rather than price. Our full table of providers gives you an impartial and unbiased overview so you can purchase pet insurance from a high-quality provider that you can rely on when you need them most.

Time Limited Pet Insurance Guides

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