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"Time Limited" conditions for Pets

Jeff_Astle
Posts: 20 Forumite


I am searching for Pet Insurance for our family dog on a comparison web site.
Apologies if this is a really dumb question, but can someone spell out for me simply what is meant by the following clause
Apologies if this is a really dumb question, but can someone spell out for me simply what is meant by the following clause
Time Limited – Covers conditions for a year or the set amounts whichever happens first, then it isn’t covered.
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Comments
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Save yourself the aggro, go with Petplan. They are the Rolls-Royce of pet insurance. They may cost a bit more, but believe me if you need to claim you will be glad you went with them. Our cat ran up a £9500 bill in a week of treatment for lung cancer, and PP paid out no problem. And unlike the clause you refer to, they will continue to cover her up to her policy insured limit (£12K per year) for the condition and any others which weren't pre-existing when the insurance was first taken out, for rest of her life, not just to the end of the policy year.
Make £2025 in 2025
Prolific £102.99, Octopoints £3.20, Tesco Clubcard challenges £60, Misc Sales £321
Total £487.19/£2025 24%
Make £2024 in 2024
Prolific £907.37, Chase Interest £59.97, Chase roundup interest £3.55, Chase CB £122.88, Roadkill £1.30, Octopus referral reward £50, Octopoints £70.46, Topcashback £112.03, Shopmium referral £3, Iceland bonus £4, Ipsos survey £20, Misc Sales £55.44Total £1410/£2024 70%Make £2023 in 2023 Total: £2606.33/£2023 128.8%2 -
Jeff_Astle said:I am searching for Pet Insurance for our family dog on a comparison web site.
Apologies if this is a really dumb question, but can someone spell out for me simply what is meant by the following clauseTime Limited – Covers conditions for a year or the set amounts whichever happens first, then it isn’t covered.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe and Old Style Money Saving boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung1 -
Time limiting is cheaper, but if you get a pet that develops a chronic condition it means as soon as you hit either the 12 months mark or the limit to what they will pay out then you won’t be covered and you won’t be able to get insurance elsewhere because it will then count as a pre-existing condition.
companies like Petplan, whilst being more expensive, basically reset at each renewal. So if the condition develops while you are insured by then it remains covered for as long as you are insured.
This gives a reasonable summary of the pros and cons. It’s not a recommendation for any particular insurance company.
https://www.radiotimesmoney.com/insurance/pet-insurance/whats-the-difference-between-time-limited-and-lifetime-pet-insurance/
All shall be well, and all shall be well, and all manner of things shall be well.
Pedant alert - it's could have, not could of.1 -
As we found out, what it means is they will pay out up to the limit of the policy & then that condition is excluded from any further claims.Life in the slow lane1
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Jeff_Astle said:I am searching for Pet Insurance for our family dog on a comparison web site.
Apologies if this is a really dumb question, but can someone spell out for me simply what is meant by the following clauseTime Limited – Covers conditions for a year or the set amounts whichever happens first, then it isn’t covered.
The cheapest policies wouldnt allow it to cross policy years, so these aren't the bottom of the barrel but the top tier would simply be £10,000 per year so each and every year they'd be paying out.
The issue with any form of health insurance, human or otherwise, is once you've had an illness it's very hard to switch insurers because it's now a pre-existing condition and so would be excluded. Some with pets with lifetime policies can find the prices escalate too high.
PetPlan is a Lifetime policy that doesn't consider claims history in its pricing, it does consider age though. The challenge with Rolls Royce quality is that it comes at a price.0 -
DullGreyGuy said:
PetPlan is a Lifetime policy that doesn't consider claims history in its pricing, it does consider age though. The challenge with Rolls Royce quality is that it comes at a price.
Make £2025 in 2025
Prolific £102.99, Octopoints £3.20, Tesco Clubcard challenges £60, Misc Sales £321
Total £487.19/£2025 24%
Make £2024 in 2024
Prolific £907.37, Chase Interest £59.97, Chase roundup interest £3.55, Chase CB £122.88, Roadkill £1.30, Octopus referral reward £50, Octopoints £70.46, Topcashback £112.03, Shopmium referral £3, Iceland bonus £4, Ipsos survey £20, Misc Sales £55.44Total £1410/£2024 70%Make £2023 in 2023 Total: £2606.33/£2023 128.8%0
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