• Accident only
The first kind is Accident Only – which is as it sounds. You may only get help with your vet bills if your cat is unlucky enough to have an accident, and not if they’re ill or develop any future medical conditions.
• Time limited policy
A Time Limited policy is usually 12 months in length and can cover your cat for any new illness or conditions that it might develop in the period. As well as a time limit, there is usually a cost limit too and conditions around the number of times you can claim.
• Max benefit
If you’d prefer continuity of treatment for your cat, this cover allows you to do that. There are no time restrictions with a Max Benefit policy so you could keep claiming for an illness or condition year after year, as long as you renew your policy. There is however often a financial limit and once you’ve hit that, you won’t be able to make any further claims.
• Lifetime cover
As the name suggests, Lifetime cover can cover your cat for illnesses or conditions throughout its lifetime - regardless of whether they are new or recurring. To ensure your cat is covered, you must renew your policy every year. As long as the policy is renewed it will provide cover for treatment of a long-term or recurring illness for the duration of the policy. If this amount is reached during the policy year, no further claims will be paid and any further treatment required for that year will not be covered.