Are there different types of pet insurance?
Yes, there are 4 main categories: listed below. ,, and . Each differs in terms of price and coverage so find the one that suits both your need and budget.
- Accident Only
This is the cheapest type of pet cover available. It generally only covers emergency treatments and some treatment illness as a result of accidental injury. Often financial caps and time limits will be applied.
- Time Limited
Premiums for this type of cover are also pretty low cost. Time limited cover tends to cover treatments for a limited time period such as 12 months. People use this type of cover to treat short-term illness and recovery and generally offers cover for accidents. After the time period stated, you will be eligible to cover the cost of any vet bills, should pet require continued care.
- Maximum Benefit
This is a fairly comprehensive package offering no time limit on treatments, however a financial cap usually applies. This type of policy is suitable for short-term and mid-term illness and treatments although, if you pet has a long-term illness this cover will not be appropriate.
This is the most comprehensive cover available but is also the most expensive. Time caps should not be applicable but some financial caps will apply. Ensure you renew your policy as cover will lapse.