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Time Limited dog insurance Time Limited dog insurance Time Limited dog insurance

Time Limited dog insurance

Covers vet fee for accidents, illnesses and conditions for a limited period of time only.

What this insurance policy covers

Cover for accidents, illnesses and conditions up to a maximum of 365 days from onset or until the individual condition limit is reached- at this point the cover for that condition will stop and you will not be able to claim for it again.

This policy itself has an annual limit for payouts – when reached, cover for all claims will be suspended until the policy is renewed and its annual limit is refreshed.

Time limited cover amounts

How much cover do I need?
See typical treatment costs for dogs

Cover type
Annual condition
limit
Lifetime condition
limit
Annual policy
limit
Vet excess
Annual condition limit£1,000
Lifetime condition limitN/A
Annual policy limit£4,000

Additional Benefits

Public Liability
£1.00m
Death of Pet
£500
Holiday Cancellation
Theft & Straying
£500
Transport Costs
Personal Accident
Insurance Product Information Document
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£500
Overseas Travel Cover
£750
Dog Walker
Insurance Product Information Document
Annual condition limit£2,000
Lifetime condition limitN/A
Annual policy limit£7,000

Additional Benefits

Public Liability
£1.50m
Death of Pet
£750
Holiday Cancellation
£1,000
Theft & Straying
£750
Transport Costs
Personal Accident
Insurance Product Information Document
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£750
Overseas Travel Cover
£1,000
Dog Walker
Insurance Product Information Document
Annual condition limit£4,000
Lifetime condition limitN/A
Annual policy limit£10,000

Additional Benefits

Public Liability
£1.75m
Death of Pet
£1,000
Holiday Cancellation
£1,500
Theft & Straying
£1,000
Transport Costs
Personal Accident
Insurance Product Information Document
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£1,000
Overseas Travel Cover
£1,500
Dog Walker
Insurance Product Information Document

What is Time Limited?

Cover details

Time limited policies provide a cost-effective dog insurance policy that goes beyond simple accident cover – giving protection against acute illnesses and conditions, and other short-term health issues

Time limited policies offer an affordable solution to those requiring cover without incurring the costs of lifetime insurance policies.

Download the complete guide

Full policy summaries including what's covered, what's not covered, policy limits and policy wording definitions.

So, say your dog was to suffer from arthritis we would look to provide cover for 365 days from the onset of the condition, up to the condition limit. Once those 365 days are over, or when you reach the condition limit, we would apply an exclusion on your policy relating to bone diseases.

Cover levels

We offer a range of Time Limited policies featuring individual condition cover levels from £1,000 to £4,000 and annual policy limits from £4,000 to £10,000.

  • Basic Plus
  • Prime
  • Prime Plus

Unlike our Accident Only policy, our Time Limited policies provide extra benefits for you and your dog, just in case. They provide extra features to broaden the scope of the cover and increase your peace of mind.

These benefits include things like:

  • Public Liability
  • Theft & Straying
  • Advertising & Reward
  • Boarding Kennel
  • Death of Pet cover
  • Overseas Travel Cover
  • Holiday Cancellation

How much cover do I need?

Vet fees vary from practice to practice, so to give you an idea of what to expect here’s a list of Animal Friends’ average vet fee claims for some of the most common dog treatments.

The below table shows the average cost of vet fees claims per condition submitted to Animal Friends Insurance in 2020. To make this information more specific to your dog we’ve grouped dogs into sizes, ranging from Miniature to Giant. This is based on the top 10 breeds insured with us per size group, and the 15 most common conditions claimed for by our customers, for each size, in 2020.

Please review the information you feel is most relevant to the size of your dog. It's important to consider that vet fees can vary based on your location, the age of your pet, and the severity of the condition.

Miniature dogs
Up to 5kg

Condition
Cruciate ligament damage
Luxating Patella
Diabetes
Cushings Disease
Pancreatitis
Lameness
Seizures
Tumour
Vomiting
Heart Disease
Gastroenteritis
Eye Ulcer
Skin Disease
Toxic Ingestion
Otitis
Average cost
£1,753.00
£1,725.00
£1,292.00
£1,137.00
£1,005.00
£935.00
£887.00
£799.00
£792.00
£760.00
£752.00
£714.00
£596.00
£546.00
£517.00
Condition
Cruciate ligament damage
Diabetes
Pancreatitis
Lameness
Heart Disease
Seizures
Gastroenteritis
Tumour
Vomiting
Eye Ulcer
Foreign Body
Heart Murmur
Skin Disease
Toxic Ingestion
Otitis
Average cost
£1,761.00
£1,279.00
£1,143.00
£931.00
£858.00
£852.00
£826.00
£784.00
£764.00
£759.00
£753.00
£736.00
£598.00
£516.00
£475.00
Condition
Cruciate ligament damage
Pancreatitis
Lameness
Foreign Body
Seizures
Tumour
Gastroenteritis
Eye Ulcer
Vomiting
Allergies
Skin Disease
Otitis
Osteoarthritis
Wound
Toxic Ingestion
Average cost
£2,021.00
£1,114.00
£988.00
£915.00
£902.00
£856.00
£834.00
£828.00
£819.00
£753.00
£716.00
£608.00
£552.00
£541.00
£533.00
Condition
Cruciate ligament damage
Mast Cell Tumour
Foreign Body
Lameness
Skin Disease
Tumour
Seizures
Allergies
Vomiting
Gastroenteritis
Eye Ulcer
Osteoarthritis
Wound
Otitis
Toxic Ingestion
Average cost
£2,505.00
£1,369.00
£1,242.00
£1,121.00
£1,070.00
£921.00
£907.00
£881.00
£858.00
£848.00
£828.00
£681.00
£594.00
£551.00
£540.00
Condition
Cruciate ligament damage
Luxating Patella
Diabetes
Cushings Disease
Pancreatitis
Lameness
Seizures
Tumour
Vomiting
Heart Disease
Gastroenteritis
Eye Ulcer
Skin Disease
Toxic Ingestion
Otitis
Average cost
£2,894.00
£1,832.00
£1,371.00
£1,201.00
£1,086.00
£1,061.00
£1,030.00
£1,016.00
£940.00
£893.00
£866.00
£817.00
£699.00
£607.00
£554.00

Policyholder testimonials