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Compare time limited pet insurance 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 here.

1st

Review Score

9.5

based on 426 reviews

Dog Quote*

£38.09

per month

Cat Quote**

£23.01

per month

Maximum Vet Fees

£3k

per condition

Excess

£105|£85

Dog|Cat
4paws allows you to pay monthly at no extra cost. They also have a 24/7 emergency claims line so you can make a claim any time, anywhere.

2nd

Review Score

9.5

based on 15,308 reviews

Dog Quote*

£32.21

per month

Cat Quote**

£13.20

per month

Maximum Vet Fees

£3k

per condition

Excess

£85|£75

dog | cat
Petplan pay out 97% of claims they receive and 90% of policyholders renew their cover with them each year.

3rd

Review Score

9.2

based on 7,080 reviews

Dog Quote*

£13.00

per month

Cat Quote**

£6.44

per month

Maximum Vet Fees

£1.5k

per condition

Excess

£90

dog | cat
There's no upper age limit to taking out a new policy. All policyholders have access to a 24/7 vet helpline.

4th

Review Score

9.2

based on 1,560 reviews

Dog Quote*

£20.07

per month

Cat Quote**

£10.91

per month

Maximum Vet Fees

£2.5

per condition

Excess

£0

dog | cat
LV= offers a 10% discount when you buy online and free 24/7 access to online vets. They pay 96% of claims.

5th

Review Score

9.2

based on 532 reviews

Dog Quote*

£23.50

per month

Cat Quote**

£8.94

per month

Maximum Vet Fees

£3k

per condition

Excess

£75

dog | cat
Scratch & Patch have a 24/7 careline available for all policyholders. There's no co-insurance payment on any of their plans.

6th

Review Score

9.2

based on 7,886 reviews

Dog Quote*

£21.08

per month

Cat Quote**

£9.97

per month

Maximum Vet Fees

£4k

per condition

Excess

£95|£85

dog | cat
Offer a selection of benefits including 12 months for the price of 9, plus discounts on medication, pet food and toys.

7th

Review Score

9.1

based on 25,208 reviews

Dog Quote*

£25.66

per month

Cat Quote**

£9.68

per month

Maximum Vet Fees

£4k

annual condition limit

Excess

£99

dog | cat
Your vet can make a pet insurance claim online on your behalf. All policyholders also get free 24/7 vet video consultations.

8th

Review Score

8.8

based on 12,591 reviews

Dog Quote*

£22.20

per month

Cat Quote**

£8.76

per month

Maximum Vet Fees

£3k

per condition

Excess

£100

dog | cat
New customers get 25% when they buy online and can also benefit from a 10% multi-pet discount.

9th

Review Score

8.6

based on 2,355 reviews

Dog Quote*

£31.41

per month

Cat Quote**

£16.11

per month

Maximum Vet Fees

£2.5

per condition

Excess

£90

dog | cat
Perfect Pet Insurance offers a Public Liability only policy for dog owners and a 10% multi-pet discount.

10th

Review Score

8.1

based on 104 reviews

Dog Quote*

£23.74

per month

Cat Quote**

£6.71

per month

Maximum Vet Fees

£2k

per policy year

Excess

£90

dog | cat
Pre-existing conditions are covered under their Lifetime Gold, Platinum and Diamond policies.

*The quote received provides time limited cover for accidents and illnesses for a four year old Labrador who has been spayed and chipped, cost £1000 and lives at a CM postcode.

**The quote received provides time limited cover for accidents and illnesses for a three year old Bengal who has been spayed and chipped, cost £600 and lives at a CM postcode.

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
  •  

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.

 

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.



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.

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