Pet Insurance Explained

Pet insurance can be very confusing and it is often tempting to buy the cheapest option. However, it is important to understand the different types of pet insurance products to ensure you make the right choice for your pet:


ConditionCare (Condition Capped)

A ConditionCare policy covers your pet's veterinary treatment until the vet fees limit for each illness or accident is used up.

Once the vet fees limit has been used up you will no longer be able to claim for that particular condition. For example, if you had a male German shepherd insured under our ConditionCare Plus product and he were to develop arthritis; he would be covered for up to £3000 in vet fees for that condition. Once the limit is reached, he will no longer be covered for arthritis and you will have to pay for any further treatment yourself.

TimeCare (Time Capped)

A TimeCare insurance policy will cover your pet's veterinary treatment for a maximum period of 12 months from when the illness or injury was first noticed or until the vet fees limit has been reached, whichever occurs sooner.

Once the vet fees limit has been reached or if you have been claiming for 12 months this illness/injury will be excluded from your policy. For example, if you had a female Cocker Spaniel insured under our TimeCare Plus policy and she were to develop an eye disease, she would be covered for a maximum of 12 months or until the £3000 vet fees limit has been reached, whichever occurs sooner.

Life Time Cover

We can also provide Life Time cover that will cover your pet's condition throughout its life; for more information visit Pet Protect.