Time Limited cat insurance
Covers vet fees for accidents, illness and conditions for a limited period of time only.
What our Time Limited policies cover
Our Time Limited policies cover each new condition for 12 months from the date your cat first shows any signs or symptoms – as long as you renew your policy.
Once you reach your limit – or after 12 months, whichever comes first – you will not be able to claim for that condition again but you may be able to claim for other conditions.
The policy has two different limits on how much you can claim in a year. For each condition or illness you can claim up to the condition limit you choose. You can claim for multiple conditions in each year, but there is an annual limit on the total you can claim for.
Here is an example of a Time Limited policy with a condition limit of £2,000 and annual limit of £7,000.
You claim £2,000 vet fees for treatment for your cat’s heart disease, £2,000 for the removal of a tumour and £2,000 for a skin condition and £1,000 for an eye ulcer, all of this could be covered because it is less than the £7,000 annual limit and no claim goes over the £2,000 condition limit. If there was another claim for any amount, it wouldn’t be covered because it would be over the annual £7,000 limit.
Would you like to know more?
Read through our policy documents for more information.
Already an existing customer?
Please refer to the policy documents we sent you when you took out or renewed your policy. You can Login to your online account to view these.
Did you know...
All our cat policies give you free vet video consults 24/7/365 through the Joii app.
Amount of cover
Time limited policies offer an affordable solution to those requiring short term cover without incurring the costs of lifetime insurance policies. These policies also include additional benefits such as cover for if your cat is stolen or goes missing (if you paid for them) or if they injure someone or damage their property - providing extra protection and assistance to complement your cover limit.
Select a policy below to see all cover limits, excess and additional benefits. Not sure how much cover you need? Find out the cost of vet fees.
- Annual condition limit: £1,000
- Lifetime condition limit: N/A
- Annual policy limit: £4,000
-
Vet excess: £69, £99, £159, £199 or £249
- Co-payment: 20% after age 10
Additional benefits
We cover up to the amounts shown below:
| If your cat injures someone or damages their property. | £2m | If your cat causes accidental damage in someone else's home. | x |
| If your cat dies or is put to sleep. | £500 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your cat needs urgent medical care. | x | If you can’t look after your cat because you’re in hospital. | £500 |
| If your cat goes missing or is stolen. | £500 | If your cat needs urgent medical care abroad. | £750 |
| Transport costs if your cat needs treatment at another vet or hospital. | x | For a pet minder, because you’re in hospital. | x |
| Cremation or burial. | x |
- Annual condition limit: £2,000
- Lifetime condition limit: N/A
- Annual policy limit: £7,000
-
Vet excess: £69, £99, £159, £199 or £249
- Co-payment: 20% after age 10
Additional benefits
We cover up to the amounts shown below:
| If your cat injures someone or damages their property. | £2m | If your cat causes accidental damage in someone else's home. | x |
| If your cat dies or is put to sleep. | £750 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your cat needs urgent medical care. | £1,000 | If you can’t look after your cat because you’re in hospital. | £750 |
| If your cat goes missing or is stolen. | £750 | If your cat needs urgent medical care abroad. | £1,000 |
| Transport costs if your cat needs treatment at another vet or hospital. | x | For a pet minder, because you’re in hospital. | x |
| Cremation or burial. | x |
- Annual condition limit: £4,000
- Lifetime condition limit: N/A
- Annual policy limit: £10,000
-
Vet excess: £69, £99, £159, £199 or £249
- Co-payment: 20% after age 10
Additional benefits
We cover up to the amounts shown below:
| If your cat injures someone or damages their property. | £2m | If your cat causes accidental damage in someone else's home. | x |
| If your cat dies or is put to sleep. | £1,000 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your cat needs urgent medical care. | £1,500 | If you can’t look after your cat because you’re in hospital. | £1,000 |
| If your cat goes missing or is stolen. | £1,000 | If your cat needs urgent medical care abroad. | £1,500 |
| Transport costs if your cat needs treatment at another vet or hospital. | x | For a pet minder, because you’re in hospital. | x |
| Cremation or burial. | x |
Pet insurance premiums increase as your pet gets older, as the chance of your pet becoming ill increases. Excesses apply to all our policies and a co-payment is currently payable on claims if you renew your policy after your cat turns 10 years old.
Has your cat been to the vet for anything other than routine vaccinations?
If your cat has been unwell or was injured before, this is known as a pre-existing condition. Pre-existing conditions aren't covered by our policies.
We consider a condition to be pre-existing if it was first noticed before your policy start date or within the waiting period, whether your cat needed treatment previously or not.
How much cover do you need?
According to the Association of British Insurers, the average vet claim was £848 in 2021.
Knowing how much your cat could cost is important so you’re prepared with the right type of policy and we’re here to help with cover up to £18,000 in a year.
Time Limited policy customer reviews
"For the first time, I have insurance for my cat that is straightforward, friendly and efficient! Through 'Pawtal', my claim is submitted and claim awarded same day, my elderly cat needs monthly injections and thanks to Animal Friends this has taken away so much stress, am relieved and impressed!"
N.L., Dorset - May 2022
"No fuss, money got settled direct with one vet plus reasonably timely refund for our initial payment for triage. Good stuff."
B.D., London - May 2022