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Compare time limited pet insurance quotes

Compare cheap pet insurance quotes and get up to £25* cashback 

time limited pet insurance
time limited pet insurance

*based on a lifetime policy for a 1 year old male Cockapoo, who is neutered, fully vaccinated and shows no signs of aggression. Cover starts on 22nd July 2022. Prices are correct as of 11th July 2022. 

Compare up to 26 providers to get an time limited pet insurance quote

Get quotes

Spend some time entering your details and the details of your pet. You’ll get access to a variety of quotes so that you can find the one for you. 


Compare the UK’s most reputable policies and prices to find the right pet insurance plan for you.

Get paid

Choose an insurance plan. Your cashback will be on its way and paid into your account. Please note that it can take up to 10 weeks from the start of your policy for your cashback to be paid

Why compare time limited pet insurance at Quidco?

Pets are part of the family, but unfortunately, their healthcare isn’t as simple as ours. Something happening to your pet can be a constant worry, and not having a good pet insurance plan could have drastic consequences.

We provide access to reputable companies that you can trust. All you need to do is review your needs and the depth of coverage you would like to receive. You’ll make significant savings by comparing, and we will even top up those savings with up to £20 cashback.

What is time limited pet insurance?

A time-limited policy pays a set amount for each illness or injury your pet suffers. Because you may only claim a certain amount of money and for a certain amount of time, it's usually one of the more affordable types of pet insurance.

As long as the insurance is in effect, each illness or injury is covered for a defined amount of time - usually 12 months after a claim for that condition.

Your pet will no longer be covered for that specific disease or injury after the designated time expires or you exceed the fixed sum level. If the same medical condition occurs again, the same rules apply. Insurers will treat it as a pre-existing medical condition; therefore, your pet will not be covered.

Advantages & disadvantages of time limited pet insurance


  • A good insurance choice for accidents and short-term illnesses
  • One of the more cost-effective forms of pet insurance
  • Most plans don't have an age restriction but double-check the fine print


  • Until the timeframe or defined sum limit is reached, you can only claim once for each condition
  • As a result, it may not be the greatest option for senior pets or animals prone to long-term illnesses

What isn’t covered in time limited pet insurance?

Pet insurance policies are never without exclusions. The following is typically not covered by time-limited insurance:

  • Vaccinations
  • Pregnancy
  • Dental care
  • Pre-existing conditions
  • Worming
  • Routine check-ups

What you will need for a quote

As well as a few personal details about you, we’ll need to know the following about your pet to start comparing quotes. 

  • What pet you have, their gender, name, and age  
  • Whether your dog or cat is a pedigree
  • The breed or size, and how much you paid for it 
  • If your cat or dog has been neutered/spayed and chipped 
  • The level of cover you want 
  • Cover start date

Other types of cover

Accident only

Accidental injuries to your dog or cat will be covered. The majority of illnesses aren't covered with an accident only policy. It's the most basic form of pet insurance available, and it's also the most affordable.

Maximum benefit insurance

With maximum benefit, each illness or injury has no time restriction, but there is a cost limit. This means you can file a claim for the same ailment multiple times until the fixed sum is reached. You'll have to pay for any additional treatment yourself once you've reached the predetermined amount. It's usually more expensive than a limited-time offer.

How to make a claim

It is always best to notify your insurer as soon as possible if you want to make a claim on your insurance, so don't put it off. Giving your insurer's hotline a short call is the best way to get started with your claim (the telephone number should be on the policy documents). 

Your insurance will want to hear the specifics of what happened to your pet, as well as the anticipated costs involved.

If your pet needs medical attention and is currently receiving treatment, make sure you know the name of the condition and the treatment or operations that your pet is receiving. Your veterinarian should provide you with an estimate of costs, or you may already have an invoice or payment receipt. Any queries you have concerning your claim can be answered by the telephone adviser.

To support your claim most insurers will want you to complete a claim form and gather the necessary evidence, such as medical receipts or invoices.

In most cases, you must submit the claim form within 30 days. If your pet has already gotten medical treatment and a bill from the veterinarian remains unpaid, you may have to pay it before receiving reimbursement from your insurer.

If your pet has a condition that requires ongoing care and is covered by the policy, you may get reimbursed for the initial costs and then claim recurring charges in the future.


What is time limited pet insurance?

Time Limited refers to pet insurance that is only valid for a certain amount of time. In this situation, each illness is covered for a period of 12 months from the date of the first treatment, or until the vet bill maximum is exhausted, whichever comes first. As a result, it's commonly referred to as 12-month pet insurance. When you purchase a time limited plan, your pet is covered for medical problems up to the policy's per-condition vet charge limit.

What is the difference between time limited and maximum benefit pet insurance?

Maximum benefit insurance provides a one-time, fixed sum per condition with no time restriction, whereas lifetime cover provides a fixed amount per condition that resets each year when you renew your policy.

Can you get pet insurance at any time?

Younger animals are just as susceptible to accidents as older animals, and they are also vulnerable to a variety of illnesses. This is why it is necessary to have your pet insured as soon as possible. Pet insurance isn't designed to cover problems that have already occurred, so getting it after your pet has become ill is too late.