Time Limited Pet Insurance

Time Limited coverage for your feline friend or canine companion

Part of providing the 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 insurance can help.

Time Limited pet insurance policies can help cover your pet for a range of problems that might arise and support you in paying the related vet bills from the date of their first treatment, for up to 12 months.

Why choose Asda Pet Insurance?

  • Asda logo

    The Asda advantage

    Known for putting value for money at the centre of everything we do

  • 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

  • Asda service, Asda value, expert providers

    An insurance offer that's best for you and your circumstances

Top 12 Month Pet Insurance FAQs:

What does Time Limited insurance pet insurance cover?

One of the major benefits of Time Limited pet insurance is that it can cover your pet for any new illnesses that they might suffer from or accidents they get into which result in longer term treatments over the course of a year, as long as the policy remains in force.

Each new condition that arises can be claimed for up to a pre-selected limit which can help if there are unforeseen complications, and the policy covers each individual condition for 12 months from treatment.

However, once the policy limit has been reached for a condition or 12 months of cover for that condition has been provided, it becomes a pre-existing condition and won’t be covered by a Time Limited insurance policy going forward.

What levels of Time Limited Pet Insurance can I get?

There are 2 different levels of Time Limited pet insurance you can choose from which will give your cat or dog a year of coverage per condition, from the date of first treatment. You can claim for the same types of things on each level of coverage, but the main thing that will differ is the amount you can claim for each thing and the total amount you can claim.

The main decision you’ll have to make is around what premium you can afford and how much treatments might be likely to cost, because once you’ve used up your annual limit for a particular condition you won't get any more support for bills related to that treatment.

The two levels of Time Limited Pet Insurance we offer cover vet's fees for up to £2,000 or £5,000 per condition for up to 12 months from the date of their first treatment.

There's no limit to the number of separate conditions that you can claim for until either the time limit or each of the individual monetary limits has been reached.

As long as the insurance policy remains in force, your pet has your chosen time limit of cover from the date of their first treatment. After the limit has passed, any ongoing treatment required as a result of this condition will be excluded from future claims and treated as a pre-existing condition.

Take a look at our pet insurance comparison table to help you decide which level of cover is best for you and your pet. 

Limitations and exclusions apply, for full details please refer to our policy documents.

What’s included in Time Limited Pet Insurance?

There’s a wide range of uses which Time Limited pet insurance can have which takes some of the financial strain off of unexpected bills in relation to your pet:

  • Veterinary fees
  • Third party legal liability and accidental damage costs
  • Costs associated with death due to accident or illness
  • Loss by theft or straying
  • Reimbursement for covering advertising and reward for return of lost pet
  • Boarding fees
  • Emergency treatment overseas
  • Holiday cancellation as a result of your pet needing lifesaving treatment/surgery


Take a look at our pet insurance comparison table to help you decide which which benefits are best for you and your pet. 

Please note: a payment limit and an excess is applied to all levels of cover as shown above.

Are pre-existing conditions covered by Time Limited pet insurance?

While conditions which occur during the coverage of your Time Limited pet insurance policy are covered, any conditions which your pet already suffers from will not be eligible for coverage. Additionally, once a condition has been covered for 12 months, it will become a pre-existing condition and will no longer be covered by future Time Limited pet insurance policies.

This is where you’ll need to take your pet’s specific situation into account. While Time Limited Pet Insurance can be a cost-effective option compared to Lifetime Insurance and will protect your pet from accident or illness, it will only be on a time limited basis.

A quick ‘paws’ for thought…


With pet insurance, as part of the cost, your premium will increase each year at renewal as your pet gets older. We’ll limit the amount it goes up by, but your renewal price will also be impacted by:

  • Any claims you make – this could significantly increase your premium
  • Rising vet fees
  • Insurance Premium Tax increasing
  • Changes you make to your policy
  • Changes we make to our pricing

You can, of course, shop around at renewal. Just bear in mind that any existing conditions your pet’s developed, whether diagnosed or not, may not be covered elsewhere.