How the policies work

LIFETIME COVER

THESE plans are the most comprehensive available and are supposed to cover a pet for any condition.

But there are different versions. ‘Annual lifetime’ cover policies set a maximum overall limit on claims, which is reset each year.

‘Per condition’ yearly cover puts a cap on the amount that can be claimed for a specific problem, with limits reset annually.

NON-LIFETIME COVER

POLICIES for non-lifetime cover have a limit on how much they will pay out per condition, after which the condition is permanently excluded from future cover.

Other varieties of insurance include multi-pet policies covering more than one animal in a household.

Accident-only cover, the cheapest form of lifetime cover, will not cover your pet for sickness.