Pet Insurance Cover: What's The Best Cover For Your Pet?

There's a myriad of pet insurance comparison sites and insurers all vying for your money. That's a fact, but here we like to think we're helping you find the best policy for your pet.

So I'm going to reveal, in plain english, the difference between 3 of the typical pet insurance policy types. These are ‘per condition with a time limit ’, ‘per condition’ and ‘lifetime’ policies.

Pet Insurance Policy #1: 'Per Condition With A Time Limit'

With this type of insurance you are usually limited to a 12 month limit plus a vet's fee limit. Once you have started a claim, if you exceed the vet's fee limit or the time limit then you are no longer covered.

Pros: Generally speaking this is the cheapest type of cover out of the 3 we talk about here.

Cons: As the title suggests, this is limited cover. If your pet is half way through treatment when when the insurance expires you will have to take on the costs yourself.

Suitable For: Short term conditions. A low cost way to insure your pet.

Pet Insurance Policy #2: 'Per Condition'

This is similar to pet insurance policy #1 but this time the time limit is removed. So there is a set vet's fee limit but you aren't constricted by a time limit. You can claim for each condition your pet has (and is covered for) for as long as they have it until the limit has been reached.

Pros: If your pet has a long illness/injury you can claim for however long that lasts, as long as it's within the fees limit.

Cons: Once you reach your vet's fee limit you have to cover the costs.

Suitable For: This is a compromise between pet insurance policy #1 and #3. This would be suited to those who want the peace of mind knowing there isn't a time limit on when they are no longer covered for a condition.

Pet Insurance Policy #3: 'Lifetime Pet Insurance'

As with pet insurance policy #2, lifetime policies are not limited by time and there is a limit on veterinary fees. The vet's fee limits are usually higher than 'Per Condition' policies.

The main difference is that with lifetime pet insurance, as long as you renew each year, they will reset any vet's fees claimed during the previous year.

Pros: The vet's fees limit is reinstated each year if you renew your insurance.

Cons: The most expensive type pet insurance.

Suitable for: Pets with long term & continuing conditions. Although when you switch to a lifetime policy the insurer will still exclude pre-existing conditions. So this type of cover is for you if you want the most comprehensive pet insurance you can get.

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