If you’re looking for pet insurance there are four main types of cover.
Accident only pet insurance
This tends to be the cheapest type of pet insurance. It will cover your pet in the event of an accident up to a maximum amount depending on the insurance policy that you’ve purchased. Some policies will also cover any treatment that is necessary as a result of conditions arising from that accident.
Time limit pet insurance
If your pet is sick or injured then a time limit policy will pay out up to a set financial amount in a specific time period – usually 12 months. Once the maximum payout level is reached no more payments are made and that condition is excluded from the policy from that point onward.
Maximum benefit pet insurance
The structure for this type of pet insurance is based on a set financial limit per condition. Once the limit has been reached then no further pay outs are made. There are no time limits with this type of pet insurance, only the financial ceiling per condition.
Lifetime policy
If you want complete peace of mind for your pet this type of pet insurance provides the most coverage with an annual amount set aside for vet fees. At the end of every year the amount is renewed and available once again.
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