Time limits and vet fee limits for treatment for pet insurance

The different limits based on the type of pet policy. 

Different pet policies have different time and vet fees limits. 

Accident Only

Treatment can continue until the vet fees limit is reached, or after 12 months has passed from the date the accident was first treated, whichever is sooner, as long as the policy remains in force. You will then not be able to claim for any further vet fees for that accident. 

Basic 

The time limit is 12 months for treatment for each new medical condition, up to a set vet fees limit. Each medical condition is covered for 12 months as long as your policy remains in force.  If the vet fee limit or 12 month period is reached, payments will stop for that condition and it will be excluded from future claims. 

Classic 

Classic policies are not limited to 12 months of treatment. The vet fees limit is up to either £4,000 or £8,000 for each new medical condition, depending on which policy you choose. Each condition is covered until the vet fees limit has been reached, as long as your policy remains in force there is no time limit on a claim. Once the vet fee limit has been reached, payments will stop for that condition and it will be excluded from future claims. 

Premier 

You can claim vet fees of up to £4,000 (with each injury or illness limited to £1,000 of vet treatment) or £12,000 (with each injury or illness limited to £4,000 of vet treatment) each year, for each pet you insure, as long as you renew your policy each year and there’s no break in cover. We won’t put a time limit on how long treatment can last, and we reinstate your vet fees limits each year at renewal. So, if while insured with us, your pet starts to develop an ongoing illness, like diabetes or arthritis, or a reoccurring illness like an ear infection, you can continue to claim up to the injury or illness limit each year.

 

Further information

Find out more about what we cover.

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