Our Silver cover is our time limited pet insurance plan which helps to protect your furry friend from any accidents and illnesses they’ve had. Time limited cover also gives you protection against eligible accidents and illnesses for up to 12-months after the first day of treatment or until the policy limit is reached, whichever happens first.
Time limited cover
- 12 month time limited. Cover limit applies per injury and illness.
- In some cases there are restrictions on certain types of treatment types which are lower than the overall cover limit. These are called inner limits.
- Cruciate Ligament: £500
- Alternative treatment: £300
- Dental treatment: £3,000
- *Excess varies according to pet age;
- Dogs under 8: £125
- Dogs over 8: £275
- Cats under 10: £125
- Cats over 10: £275
- Please check the policy wording to understand excess levels.
|A||Veterinary Fees* up to||£3,000|
|Inner Limits up to|
(Included within total Veterinary Fees amount above)
|MRI / CT Scan||£500|
|Covered in UK / EU PETS Scheme Area||Yes|
|Excess per injury or illness, per year||Dogs under 8: £125
Dogs over 8: £275
Cats under 10: £125
Cats over 10: £275
Alongside paying the compulsory excess on your policy, an additional voluntary excess is an amount you’re willing to pay towards the cost of a claim. Should your pet need any veterinary treatment, we would cover 80% towards the treatment costs and you would contribute the remaining 20%.
By contributing 20% towards the cost of each claim, we are able to reduce the price or your premium.
|0% or 20%|
|B||Death (Applies only to dogs under 8 years old and cats under 10 years old)|
|Accident up to||£500|
|Illness up to||£500|
|C||Third Party Liability (Dogs Only)||£1,000,000|
|D||Loss & recovery (Applies only to dogs under 8 years old and cats under 10 years old)||£750|
|E||Emergency boarding and pet minding fees||£750|
|Pre-Existing Conditions||All pre-existing conditions are excluded from cover|
The Policy Wording and Insurance Product Information Document (IPID) for Time Limited Cover can be viewed here
*The Vet fee amount includes;
- Up to £45 towards consultation fees for the each separate visit to the vet as a result of the condition
- Up to £110 per visit towards out of hours fees only where a vet confirms an emergency consultation was necessary
- Up to £150 per condition for all external laboratory fees including handling, postage and packaging and interpretation fees
- Up to £35 per session towards hydrotherapy, physiotherapy, acupunture, chiropractic, osteopathy or laser treatment fees
- Up to £350 per condition toward Specialist or Referral vet consultation fees
What time limited cover protects against
Time limited plans only cover vet fees for injuries caused by accidents and eligible illnesses. Our plans are based on an ongoing time limited cover of £3,000 per accident or illness.
It could provide a cost effective way of insuring your pets for the essentials.
What's not covered
It does not cover treatment for conditions that go beyond the 12-month period or the maximum value of the treatment which occurs first. If you think that you’ll need cover of a higher value then consider maximum benefit cover or, if you need a longer period of time then take a look at our lifetime pet insurance.
Nor will time limited cover protect you against any pre-existing conditions.
There are also some exclusions on our policies, such as specific dog breeds and treatment types. For full details see our policy exclusions.
Time limited cover FAQs
What’s an excess and how does it work?
An excess is a compulsory payment made by you.
For time limited cover the excess is payable on each injury you make a claim for in each policy year. If your claim spans two plan years for the same injury you’ll be required to pay the excess each year.
For example, our excess for time limited policies is £100 or £125 for a cat under 10 years old or a dog under 8 years old. The excess increases to £250 or £275 for older cats and dogs and so you would have to pay more. Check your policy documents to understand your excess levels.
If you claim under the Third Party Liability section of cover then the excess is £250.
What happens at renewal?
All our products are annual policies providing cover for new injuries and illnesses occurring after the policy has started and after the 14 day waiting period for illness has passed. We’ll send you an email 3 weeks before your renewal is due with the renewal price and how it compares to your current premium.
Please be aware that the chances of your pet getting ill increases as they age and this means your insurance premium will also increase. This increase could be significant if you have made a claim.
Is there a waiting period before my pet is covered?
Any new illnesses starting within the first 14 days of your policy are not covered. This is called a waiting period.
However, if you switch your cover from another insurer, we won’t enforce a waiting period, you will be able to claim for illness starting in the first 14 days.
We don’t have a waiting period for accidents or injuries.
Is there an age limit?
Your pet must be at least 5 weeks old when your policy starts. There is no upper age limit but please note that the excess increases and cover for death, euthanasia and loss and recovery ends when your dog reaches the age of 8 or your cat reaches the age of 10.