Time limited Dog Insurance - the right insurance for a dog after illness or accident?

Time-limited dog insurance

When is Time-limited Dog Insurance applicable to your pet

Most pet owners do not even realise how high the vet fees can be before they have to take their beloved canine to the animal doctor. Time-limited dog insurance can pay for the adequate treatment of your pooch and save you money. It is fairly inexpensive and nearly every pet owner can afford it. Find out more about it and how it compares to other levels of cover before you make a final decision.

Time-limited dog insurance lasts for a set period of time usually 12 months. There is a maximum amount of coverage for each condition. If your pet requires further treatment which costs more than the set amount, you will have to pay the sum out of your pocket. You are allowed to make a claim for a condition only within the time period of the policy. If the treatment is ongoing, the insurer will stop paying for it once the policy expires or once the limit for the condition is reached. It depends on which event occurs first.

Once you have made a claim for a condition, you cannot make another claim for the same illness or injury. Basically, if the vet prescribes another more effective treatment or makes the treatment period longer than the initially set, you will have to cover the costs yourself. Similarly, complementary treatments for dogs will usually not be covered by this type of pet insurance plan.

The exclusions from time-limited dog insurance are standard. The underwriter will not pay for vaccinations, flea control, castration and spaying and pre-existing conditions. You should check to see if other restrictions apply. Sometimes, companies refuse to cover hereditary and chronic illnesses, but these cases are generally rare.

There are different types of cover included in a standard time limited dog insurance plan apart from the main vet fee cover. The insurer will pay the boarding fees if your pet needs to stay in a kennel due to you being in a hospital. You will get compensated if your pet goes missing either due to theft or straying. There is typically advertising and rewards coverage. The company will pay for the rewards offered by the owners of lost dogs. The third party liability and holiday cancellation covers are standard. Most plans include a benefit that the owner is entitled to in the case of the dog's death.

The time-limited dog insurance works just like any of its counterparts in terms of payments and claims. You will have to pay a premium for the period of the cover. Usually, the premium is paid on a monthly basis. The amount of the premium is determined based on the amount of cover that you buy, your dog's health condition, its age and the area you live in. Whenever you make a claim, you will have to pay an excess. This fee may be a flat sum, a percentage of the claimed amount or a combination of the two. The factors which affect the amount of the premium determine the amount of the excess as well.

The other policies which you can pick from include lifetime pet dog insurance and per-condition insurance. The per-condition policies are similar to the time-limited ones with a maximum amount of coverage being set for each condition. The major difference is that there is no time limit. You can make a claim up to the set amount per condition. Once you have made a claim on an illness or injury, you will typically not be able to make a claim on it again. The lifetime plans have an annual limit rather than per condition. You can make any number of claims on any kinds of conditions up to the set limit.

When choosing between levels of dog insurance, you have to take into account the age, breed and general health of your pet. It is also worth considering the area which you live in and how risky the respective environment is for canines. Experts usually recommend time-limited dog insurance for young and healthy dogs which live in safe environments and which are not prone to serious hereditary conditions. Even if such a canine falls ill or gets injured, the treatment will usually be more basic, shorter and less expensive. Hence, the time-limited policy should work well.

The cost is another major factor to consider when you choose between levels of dog insurance cover. The time-limited plans are the least expensive of all. The lifetime policies are the costliest. If you want to save, you are highly recommended to go for the first option. However, if you have an old or sick pet that is at higher risk of illnesses and injuries, you may find the lifetime cover more cost-efficient.

The first-time buyers of pet cover should certainly consider time-limited dog insurance. It is perfectly suitable for young puppies and dogs which live in the homes of their owners. If you notice that you need more coverage, you can readily switch to a more comprehensive policy later on.

The main thing to do when shopping for time-limited dog insurance is to compare dog insurance quotes from as many companies as possible. This will allow you to pick the most beneficial policy for your pet that comes at an affordable price for you.