Time Limited Pet Insurance
Protect your pet for up to 12 months with our Time Limited pet insurance
- Claim for up to £5,000 towards vet fees per illness or accident over a 12-month period
- Dental cover for accidents on all policies as standard
- 24/7 access to vets via our video call service
Part of providing proper care for your pet is making sure you can meet their needs if they happen to fall ill or get injured in an accident. Chances are, you’ll want your four-legged friend to be back on all-paws as soon as possible, and having the right pet insurance can help.
Why choose Asda Pet Insurance?
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The Asda advantage
Known for putting value for money at the centre of everything we do
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You're in control
You can choose your policy cover as well as your excess terms, so you can get the cover your pet needs at a price that suits you
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Asda service, Asda value, expert providers
An insurance offer that suits you and your individual circumstances
What is Time Limited pet insurance?
A Time Limited pet insurance policy covers your pet for each illness or injury for a set period of time – usually 12 months from the date of diagnosis.
This type of pet insurance policy offers a fixed amount of cover for each illness or injury your pet gets during this time. It’s often one of the more affordable types of pet insurance, but it does come with restrictions on how long and how much you can claim.
Once the 12-month period ends, that illness or injury will no longer be covered – even if your pet still needs treatment or the condition returns in the future. At that point, any further related vet bills related to that issue will be your responsibility.
For example, if your dog or cat falls ill, your 12-month Time Limited insurance policy would cover treatment they receive for the next 12 months. After that, the condition would be excluded from future claims.
Benefits of Time Limited pet insurance
Time Limited pet insurance can be a practical choice for some pet owners, offering several benefits:
- Suitable for accidents and short-term illnesses
- Often more affordable than some other types of pet insurance
- Often available for older pets, as many policies don’t have an upper age limit (although it’s always best to check the terms)
Disadvantages of Time Limited pet insurance
While Time Limited pet insurance can be more affordable, it also comes with some important limitations:
- Limited claim period - you can only claim once for each condition for a set time (usually 12 months) or until the maximum payout is reached, whichever comes first.
- Less suitable for long term or recurring conditions – it may not be ideal for pets prone to chronic health issues, as ongoing treatment won’t be covered after the time limit ends.
What Does Asda Time Limited pet insurance cover?
Asda Time Limited pet insurance covers your pet for new illnesses or accidents that may require treatment over the course of a year, as long as the policy remains active.
Each new condition that arises can be claimed up to a pre-selected limit, providing cover for unforeseen complications during treatment. The policy covers each condition for 12 months from the date of treatment.
However, once the policy limit is reached or 12 months of cover has been used for a specific condition, it will be considered a pre-existing condition and won’t be covered under the policy moving forward.
Asda Time Limited pet insurance covers:
| Time Limited £2000 | Time Limited £5000 |
|---|---|
| Veterinary Fee Cover | |
| £2,000 per condition | £5,000 per condition |
| Dental Treatment | |
| Illness - No. Accident - Yes |
Illness - No. Accident - Yes |
| (as part of Veterinary Fee Cover) | |
| Complementary Treatment | |
| £500 per condition | £750 per condition |
| (as part of Veterinary Fee Cover) | |
| Cruciate Ligament Treatment | |
| £1,250 | £1,500 |
| (as part of Veterinary Fee Cover) | |
| CT/MRI Scans | |
| £1,250 | £1,500 |
| (as part of Veterinary Fee Cover) | |
| Specialist Diet | |
| £100 | £150 |
| (as part of Veterinary Fee Cover) | |
| Behaviour Treatment | |
| £500 | £750 |
| (Covered as a result of an accident only and as part of Veterinary Fee Cover) | |
| Fixed Excess | |
| £100 - £250 As chosen by you, or advised | £100 - £250 As chosen by you, or advised |
| (Certain breeds have a specified minimum excess of £200) | |
| Co-Insurance Excess | |
| 10% for pets ages 5 years and over | 10% for pets ages 5 years and over |
| (Payable in addition to the Fixed Excess) | |
| Death From Illness | |
| £750 | £1,000 |
| (Only available for pets less than 7 years of age) | |
| Death From Accident | |
| £750 | £1,000 |
| (No age limit) | |
| Cremation/Burial | |
| £100 | £100 |
| (only available for pets less than 7 years of age) | |
| Third Party Liability | |
| £1,000,000 | £1,000,000 |
| (for dogs only - £250 excess per claim) | |
| Advertising and Reward | |
| £250 | £500 |
| Loss Of Pet - Theft or Straying | |
| £750 | £1,000 |
| Emergency Boarding Kennel/Cattery Fees | |
| £750 | £1,000 |
| Emergency Holiday Cancellation | |
| £750 | £1,000 |
| Overseas Travel Cover | |
| 364 days | 364 days |
| Unexpected Quarantine Expenses | |
| N/A | N/A |
What isn’t covered by Time Limited pet insurance?
Like a lot of insurance policies, Time Limited cover does come with some exclusions and limitations. A Time Limited pet insurance policy does not typically cover:
- Routine check ups
- General treatments such as worming
- Vaccinations
- Pregnancy
- Preventative treatments
- Dental care
- Pre-existing medical conditions
How much does Time Limited pet insurance cost?
According to the Association of British Insurers, the average pet insurance premium in 2024 was £3891.
With pet insurance, it’s important to note that your premium may increase each year as your pet gets older. Your renewal price will also be impacted by:
- Any claims you make – this could significantly increase your premium
- Rising vet fees – increases in vet costs may lead to higher premiums
- Insurance Premium Tax – any rise in this tax will be reflected in your renewal
- Changes you make to your policy – adjusting your level of cover could impact costs
- Changes to pricing – any adjustments to an insurer’s pricing structure may affect premiums
Should I Choose Time Limited or Lifetime pet insurance
Deciding between Time Limited and Lifetime pet insurance depends on the level of cover and type of policy you want and your pet’s individual needs.
Time Limited pet insurance can be more affordable and may provide adequate cover for unexpected vet bills, particularly for younger pets. This type of policy covers one-off incidents, such as treatment after an accident, for a set period.
For pets with potential long-term health conditions, Lifetime pet insurance could offer extended protection. With Lifetime cover, treatment can be claimed year after year, as long as the policy is renewed annually.
Get a quote for a Time Limited policy
If you want a quote for a Time Limited policy for your pet, you can start straightaway with Asda Money.
Top Time Limited Pet Insurance FAQs
- What levels of Time Limited Pet Insurance can I get?
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At Asda Money, we offer two levels of Time Limited pet insurance:
- £2,000 cover for vet fees per condition, for up to 12 months from the date of the first treatment.
- £5,000 cover for vet fees per condition, for up to 12 months from the date of the first treatment.
To help you decide which level of cover is best for you, take a look at our pet insurance comparison table.
Limitations and exclusions apply, for full details please refer to our policy documents.
- Are pre-existing conditions covered by Time Limited pet insurance?
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Conditions that develop after the start of your Time Limited pet insurance policy are generally covered. However, any conditions your pet already has before taking out the policy are not eligible for coverage. Additionally, once a condition has been covered for 12 months, it will be considered a pre-existing condition and will no longer be covered by future Time Limited pet insurance policies.
- What is the difference between Lifetime and Time Limited pet insurance?
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A Time Limited pet insurance policy covers your pet for any new illnesses or injuries they may sustain or suffer from at the time of taking out the policy. As the name suggests, it only covers your pet for a specific amount of time, and once that time is up you will have to pay for the vet fees and medical expenses yourself.
On the other hand, a Lifetime pet insurance policy will essentially cover your pet’s injuries and illnesses for life – as long as you renew the policy every year of course. Lifetime policies are typically the most comprehensive level of cover you can get for your pet and provide cover for any illnesses or conditions that your pet may need lifelong care and treatment for.
- Is there a time limit on pet insurance claims?
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Yes, there’s usually a time limit involved as a Time Limited policy means you are only covered for a certain amount of time – with most insurers it’s around 12 months. However, the main difference is some policies cover an illness or condition up to 12 months from the date of the first treatment, whilst other policies may start those 12 months from the date of a claim. Always check the finer details of your insurance policy to see what rules and regulations apply.
- What happens if my pet is unwell after 12 months?
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With Time Limited pet insurance, you can claim for treatment for a condition for 12 months after it is first diagnosed. After this time, the cover stops, and you’ll need to cover any further related expenses.
- Is Time Limited pet insurance worth it?
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Time Limited policies can provide coverage for short-term or unexpected vet bills, such as treatment following an accident. However, coverage for each condition is typically limited to 12 months. For pets with ongoing or long-term health needs, you may want to explore other options, such as a Lifetime policy, which can provide continued cover for longer periods.
Other links
Asda Pet Insurance is arranged and administered by Insurance Factory Limited. Insurance Factory Limited is authorised and regulated by the Financial Conduct Authority. (No. 306164). Registered in England and Wales Number 02982445. Registered Office: Markerstudy House, 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. You can check this by visiting the Financial Services Register at https://www.fca.org.uk/register