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Time Limited pet insurance for dogs and cats

An insurance plan that covers vet fees for accidents and illness for a limited period of time.

About our Time Limited pet cover

Even the healthiest pets can find themselves feeling under the weather, perhaps due to a nasty accident or an acute illness. It’s invaluable to have protection in place in the event of having to get them seen by a vet. Time Limited insurance is an affordable way to nurse them back to health. Providing time-limited cover in the case of your pet requiring treatment for a disease, accident or illness, you can only claim once for each condition until the time or fixed sum limit is reached.

Cover available from 4 weeks old

No upper age limit for senior pets

97% of claims
paid in just
5 working days

Over 20 years’ experience in pet insurance

How it works

Time Limited cover provides reassurance that should your pet develop a condition that requires treatment, you’ll be able to claim costs up for up to 12 months from the date the first symptom and/or clinical sign was noticed, or treatment started, whichever happens first. Once the 12 months has passed, or the benefit limit has been reached, no further cover will be provided for that condition, even for future renewals.

When to buy

Our Time Limited pet insurance is a cost-effective solution to protect against short term conditions that your pet might develop. Some pet breeds are genetically prone to long-term health conditions which can develop early in their life, and you may want to consider a plan which offers ongoing protection with no time limit, like Maximum Benefit or Lifetime cover

Making a claim

Simply download a claims form from our website or by logging into your Perfect Pet account. Once returned to us, we will keep you informed of your claim’s progress. If your vet accepts direct payment, we can deposit funds straight into their account, saving you the hassle of having to arrange payment for big vet bills during a stressful time (Subject to claim approval).

Dog Insurance

Time Limited

Dog Insurance

Dog ownership is one of the best things in life, but it doesn’t come without its unexpected twists and turns. All it takes is for your pet to suffer an accidental injury or pick up a sickness bug for them to require a trip to the vets to set them right again. Time Limited insurance will cover you for an unlimited number of conditions while also protecting you in case your dog causes injury to a stranger or property damage where you are liable (third party liability).

Learn more about Dog Insurance
Cat Insurance

Time Limited

Cat Insurance

A cat’s curiosity is what makes them such fun pets to own - but it can also prove to be their downfall! While they are resilient creatures, it’s important that you provide all nine of their lives with as much protection as possible. Time Limited insurance will cover you should your cat get into any scrapes, with no upper limit on the number of conditions you can claim for.

Learn more about Cat Insurance

Included with our
Time Limited pet insurance policies?

We offer two different cover levels, Essential and Essential Extra. Here is a summary of what’s included:
Benefits:Essential Benefit limit per claim:Essential Extra Benefit limit per claim:
Vet Fees
We will provide cover for treatment carried out by a Vet that treats an Illness or Accidental Injury suffered by Your pet whilst insured with us.
Third Party Liability
Third party liability provides cover for damages and legal costs where You are found liable in the event Your dog causes death, injury or property damage.
Death from Illness/Accidental Injury
Depending on the age of your pet, we may pay a contribution towards the original purchase price or donation price of Your pet if they die or are put to sleep by Your Vet during the Period of Insurance as a result of an Illness or Accidental Injury.
Overseas Holiday Cover
Oversea Holiday cover provides insurance if Your pet needs emergency Vet Treatment as a result of an Accidental Injury or Illness that first showed Clinical Signs or Symptoms during Your Holiday. This will be dependent on the location and the length of your holiday.
Holiday Cancellation
Holiday cancellation provides cover for the costs incurred in the cancellation of Your pre-booked Holiday of longer than three overnight stays outside the United Kingdom should Your pet need emergency life-saving treatment.
Theft or Straying
Dependent on the age of your pet, we offer cover if your pet is lost or stolen. We may pay a contribution towards the original purchase price or donation price of Your pet if they are lost or stolen during the Period of Insurance and Your pet is not found within 45 days of being lost or stolen.
Advertising and Reward
We will pay the cost of advertising and offering any reward costs should Your pet be lost or stolen.
Emergency Boarding (Kennel/Cattery) Fees
We will provide cover for the costs of boarding Your pet in a licensed boarding kennels or cattery or pet minding business in the event that you need to stay in hospital unplanned for more than 4 consecutive nights.
The amount payable by You towards each and every claim, and as further detailed in Your Schedule.
£90 per claim except for Third Party Liability claims where an excess of £250 per claim applies.

Looking for more than Time Limited cover?

Our Lifetime and Maximum Benefit policies cover for conditions that may require treatment for more than 12 months.

Lifetime pet insurance

If you’d prefer to protect your pet for the duration of their life, our Lifetime insurance plans are designed to do exactly that. Of all our policies, it’s our Lifetime pet insurance that offers the most comprehensive protection.

Maximum Benefit pet insurance

Our Maximum Benefit insurance plans don’t place a time limit on cover. Instead, each condition is given an upper benefit limit, meaning you can continue to claim for the same health issue beyond 12 months, providing that treatment costs haven’t reached the limit.

Would recommend to anyone!

““I found the process of obtaining an insurance policy for my three Labradors very easy and straightforward. I would recommend anyone looking to take out pet insurance to check out Perfect Pet.” ”

Wilf Watson

Things you should know about Time Limited pet cover

When choosing pet insurance, it’s important to make the right decision for your pet, budget and circumstance. So that you know where you stand when buying our Time Limited insurance, here are some important things to be aware of:

New Customers

New Customers

When taking out a Perfect Pet Time Limited policy for the first time, a 14-day waiting period at the start of your policy will apply. This means that any diagnosed illnesses or noted symptoms made during this period will not be covered. Cover for accidents will become active after 5 days.

Policy Renewal

Policy Renewal

When you renew your Time Limited pet insurance policy, providing you do not have a break in cover, you will not be subject to any waiting periods and will have continuous cover. We will remind you 21 days before your policy expires. If you agree to Continuous Payment Authority (CPA), we will renew your policy automatically unless you tell us otherwise.



To help keep premiums competitive for senior pets, when your dog is 8 years or older and a cat 10 years or older, a contribution towards each vet bill is payable, known as a co-payment. The co-payment amount is 15% in addition to any applicable excess, which will be deducted from the policy limit. At 15% our co-payment amount is one of the lowest around!

Policy Exclusions

Policy Exclusions

As this is a time-limited policy, it only provides cover for veterinary fees for up to 365 days after diagnosis/treatment has commenced. Conditions and symptoms that exist before taking out a pet insurance plan will not be covered. Other exclusions include costs of routine vaccinations and dental / oral treatment unless caused by an accidental injury. A full list of exclusions can be found in our Insurance Policy Information Document.