Pet Insurance Time Limited

Time Limited Cover

Your policy covers the treatment of each Accidental Injury and Illness for 365 days.

From
£5.72

Your cover has two limits:

  • A time limit for how long you can claim for each Accidental Injury or Illness; and
  • A monetary limit for how much we will pay for each Accidental Injury or Illness (this is called the maximum benefit).

We will keep paying for an Accidental Injury or Illness until one of these limits has been reached.

The time limit: Your policy covers the treatment of each Accidental Injury and Illness for 365 days. The 365 days start when the Accidental Injury happens or when the first Clinical Signs of the Illness are noticed. These 365 days do not have to occur in the same policy year, so as long as you renew your policy your 365 days of cover will be honoured. After this time all cover for that Accidental Injury or Illness will stop.

The monetary limit: Your policy provides a maximum amount of money for you to claim for each separate Accidental Injury and Illness. This is called the maximum benefit. For each Accidental Injury and Illness you have one maximum benefit for Veterinary Fees and another separate maximum benefit for other covers including but not limited to Boarding Fees, Holiday Cancellation and Death by Illness. The amount you can claim in each section for each Accidental Injury and Illness is shown on your Policy Schedule along with the other covers that apply.

Time Limited cover at a glance

Pay monthly, with no interest

Flexible excess options

3 flexible levels of cover

Friendly UK based call centre

Maximum Benefit Key Benefits
£1000 for 365 days from the day the condition is first noticed by you or your vet.
The limit per condition is £3000 from the day the condition is first noticed by you or your vet whilst your pet remains insured by us
Third party liability
£1,000,000 per claim
Death from Accident
up to £500 per claim
Death from Illness
up to £500 per claim
Holiday cancellation
up to £500 per claim
Holiday Cover
up to £500 per claim
Complimentary Treatment
up to £500 per claim
Theft and straying
up to £500 per claim
Emergency Boarding fees
up to £500 per claim
Accidental Damage
up to £500 per claim
Advertising and Reward
up to £500 per claim

Excess

Your excess on this policy is £75

How is an excess applied?

There is an excess to pay on the policy in the event of a claim for vet fees. This is the amount you are required to pay towards each new Accidental Injury for the duration of the policy.

The excess is deducted from the overall limit of your cover, please refer to your Schedule for a breakdown of the maximum policy limits applicable.

Example

You have a benefit limit of £1,000, and your policy excess is £75, the maximum settlement made would be £925 for a single condition, assuming you claim this limit within one policy year.

If the claim spans two policy years you will find that the excess is applied each year.

When does a Co-payment apply and how does it affect my claim payment?

Depending on the age of your pet, a co-payment may also apply, which is the amount that you are required to pay towards a claim (in addition to the policy excess).

A co-payment is payable for dogs aged 5 years and older and for cats aged 8 years and older

The co-payment is deducted from the overall limit of your cover. You can check your Quote Schedule to confirm the exact percentage applicable. This document will be sent to you once you have completed a quote.

 

Example
Amount claimed
£1,000
Excess Applying
£75
Amount claimed less excess
£925
Co Payment amount at 10%
£92.50
Payment to Customer
£832.50

This is assuming you claim this limit within one policy year, If the claim spans two policy years will find that the co-payment and excess is applied each year.

Trusted service with support you can rely on

Trusted service with support you can rely on

Having a pet become unwell or injured is stressful enough, the last thing you want to do is face financial problems as a result. We can’t stop your pet from becoming poorly, but we can take the financial burden away at this stressful time.

Quickly settled claims

Our team are experts in making the claim process as seamless and straightforward as possible, so we set about processing your claim straight away, and aim to have it all sorted as quickly as possible for you.

Save yourself unforeseen costs

According to the Association of British Insurers, the cost of the average pet insurance claim in 2018 was £793, more than twice the average annual premium for dogs and over three times that for cats. The average pet insurance claim has increased by 75% over the last decade.

Pet Comparison Table

Time Limited

from
£5.72 / month
  • Cover for accidents, illnesses and conditions for 365 days or until the condition limit is reached.
  • Upon renewing the policy, cover for eligible conditions continues.
  • Cover from 8 weeks old

Maximum Benefit

from
£5.92 / month
  • Cover for accidents, illnesses and conditions up to the specified cover limit, while the policy is active.
  • When a condition’s claim limit is reached, you will not be able to claim for that condition again.
  • Cover from 8 weeks old

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Frequently Asked Questions

Lifetime, Maximum Benefit or Time Limited

This is the most complete type of pet insurance available. It covers accidents, injuries or illnesses for the lifetime of your pet, subject to limits set out in the policy, the limit resets each policy year.

This will cover illnesses and accidents up to a maximum amount per condition, but there’s no time limit on how long you can claim for.

This will cover illness as well as accidents up to the claim limit or 365 days per condition, whichever occurs sooner

Your pet will not be covered for any claims relating to accidental injury for 5 days from the start date of your policy Your pet will not be covered for any claims relating other covers types for 14 days from the start date of the policy.

Please contact The Insurance Factory on 03330096721 or email petclaims@insurancefactory.co.uk or visit the Cover My website to download a claim form

Yes, this can be arranged subject to agreement from your vet

You should contact the claim handler; The Insurance Factory on 03330096721 as soon as you think you may have a claim and they will let you know how to proceed

Yes there is a fixed excess and a % Excess you choose the excess level at the start of the policy.

What is a % Excess?

This is the amount that you are required to pay towards a claim (in addition to the excess). The % Excess is deducted from the overall limit of Your cover. By way of an example, if You have a benefit limit of £4,000, a Policy excess of £90 and a co-payment percent of 10% the maximum settlement would be £3,519 for a single Condition in a single year.

  • Amount claimed £4,000
  • Excess Applying £90
  • Amount claimed less excess £3,910
  • Co Payment amount at 10% £391
  • Payment to Customer £3519

What is the excess amount?

For cats aged under 10 and most breeds of dog under 8 the fixed excess is either £50 or £100 and the % excess is either 0% or 15% depending on what you choose at the start of the policy.

For selected breeds of dog under 8 the fixed excess is either £50 or £100 and the % excess is 15%. (It will be clear during the application process whether your dog is one of the selected breeds where a 15% excess always applies)

For cats aged 10 or over and all dogs aged 8 or over the fixed excess will be £50 or £100 (depending on your choice at the start of the policy) and the % excess will be 15%

Yes, your policy will automatically renew unless you tell us you no longer want the cover. We do this to ensure that your pet has continuous cover. We will contact you no later than 21 days before your policy is due to renew, so you can cancel or make any changes

Cover My Helphub

Customer Services number: 0800 980 5134

Claim Phone number: 03330 096721

Claim email: petclaims@insurancefactory.co.uk