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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 our Time Limited policies cover

Our Time Limited policies cover each new condition for 12 months from the date your cat first shows any signs or symptoms - as long as you renew your policy.

Once you reach your limit – or after 12 months, whichever comes first – you will not be able to claim for that condition again but you could claim for other conditions.

The policy has two different limits on how much you can claim in a year. For each condition or illness you can claim up to the condition limit you choose. You can claim for multiple conditions in each year, but there is an annual limit on the total you can claim for. See example.

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Further details are available in our policy documents:

Already an existing customer?
Please refer to the policy documents we sent you when you took out or renewed your policy. You can Login to you online account to view these.

Cover amounts

Time limited policies offer an affordable solution to those requiring short term cover without incurring the costs of lifetime insurance policies. These policies also include additional benefits such as cover for if your dog is stolen or goes missing (if you paid for them) or if they injure someone or damage their property - providing extra protection and assistance to complement your cover limit.

Not sure how much cover you 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

If your pet injures someone or damages their property
£2.00m
If your pet dies or is put to sleep.
£500
If you need to cancel or cut short a holiday becaue your pet needs urgent medical care
If your pet goes missing or is stolen.
£500
Transport costs if your pet needs treatment at another vet or hospital.
If your pet causes accidental damage in someone else's
Advertising and reward
£200
If your pet needs to go into a cattery or kennel because you're in hospital.
£500
If your pet needs urgent medical care abroad.
£750
For a dog walker or minder for your dog, because you're in hospital.
Annual condition limit£2,000
Lifetime condition limitN/A
Annual policy limit£7,000

Additional Benefits

If your pet injures someone or damages their property
£2.00m
If your pet dies or is put to sleep.
£750
If you need to cancel or cut short a holiday becaue your pet needs urgent medical care
£1,000
If your pet goes missing or is stolen.
£750
Transport costs if your pet needs treatment at another vet or hospital.
If your pet causes accidental damage in someone else's
Advertising and reward
£200
If your pet needs to go into a cattery or kennel because you're in hospital.
£750
If your pet needs urgent medical care abroad.
£1,000
For a dog walker or minder for your dog, because you're in hospital.
Annual condition limit£4,000
Lifetime condition limitN/A
Annual policy limit£10,000

Additional Benefits

If your pet injures someone or damages their property
£2.00m
If your pet dies or is put to sleep.
£1,000
If you need to cancel or cut short a holiday becaue your pet needs urgent medical care
£1,500
If your pet goes missing or is stolen.
£1,000
Transport costs if your pet needs treatment at another vet or hospital.
If your pet causes accidental damage in someone else's
Advertising and reward
£200
If your pet needs to go into a cattery or kennel because you're in hospital.
£1,000
If your pet needs urgent medical care abroad.
£1,500
For a dog walker or minder for your dog, because you're in hospital.

Has your dog been to the vet for anything other than routine vaccinations?

If your dog has been unwell or was injured before, this is known as a pre-existing condition.

Pre-existing conditions aren’t covered, unless they have been treatment and symptom free for more than 2 years.

We consider a condition to be pre-existing if your dog showed any signs or symptoms of it before your cover start date, whether they needed treatment previously or not.

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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

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