Annual Cover

The pet insurance policy is renewed annually.

Annual cover may be divided into two categories;

• Policy will cover a condition for 12 months from the onset of the condition.
• Some policies may only cover the condition until the renew date.

The insurance policy will pay out a maximum amount for each condition claimed for. An excess is deducted for each condition claimed for. If the period claimed for spans two policy periods an excess may be deducted for each period.

After 12 months any condition claimed for in the previous year will be excluded from the insurance cover.

Once insured pets reach a certain age the insurance premium may rise and the policy excess will increase.

Advantage
Less expensive cover against accidents and short term illness.

Disadvantage
Medium and long term health-care conditions are not covered. In practice this means that if your pet develops a condition which requires ongoing treatment, e.g. a skin condition, it will be excluded after 12 months.

It is worth remembering that any pet health conditions claimed for will be excluded if you decide to upgrade the pet insurance cover.

Insurers who offer Annual cover pet insurance policies.

	View Full Details	Premium	Excess	Vet Fees	Visitor Rating	Rate Company
	Tesco Dog Insurance	From £7	£60	£2.5K Annual - £4k Individual	2.88/10	Rate Company
	Homebase Annual	Breed/Age/Location Dependent Cats from £5.50 Dogs from £9.47	£75.00		Not Rated	Rate Company
	Churchill	From £4.50/month Age/Breed/Location Dependent	£50 Older pets £50+10%	£3K	Not Rated	Rate Company
	Healthy Pets Annual Dogs	From £8.90 Age breed location dependant	£50 (10yrs+ £50+35%) Select breeds £50 (7yrs+ £50+35%)	£3K	Not Rated	Rate Company
	Lloyds TSB Dog	£9.86	£50	£3K	Not Rated	Rate Company
	NFU Mutual Pets	Age/Breed/Location Dependent	£40 Increases with age	£4K	Not Rated	Rate Company
	Kbis	Age/Locaton Dependent.	From £100	£3000 Optional cover	Not Rated	Rate Company
	Sainsburys Annual Cover Dogs	Age/Breed/Location Dependent From £9.00	From £75-£200 9yr+ £200 or 15%	£3k	Not Rated	Rate Company
	Tesco Cat Insurance	From £4	£50	£2.5K Annual - £4K Individual	0/10	Rate Company
	Healthy Pets Annual Cat	£5.70	£45 (£45+35% for cats 10yrs+)	£3K	Not Rated	Rate Company
	Sainsburys Annual Cover Cats	Age/Breed/Location Dependent From £4.80	From £75-£200 9Yrs + £200 or 15%	£3K	Not Rated	Rate Company
	Lloyds TSB Cats	£7.16	£50	£3K	Not Rated	Rate Company
	Exotic Direct	Species DependentSpecial quotes for large collections	Species/Age Dependent	£1-£5	Not Rated	Rate Company
	Virgin Pet Insurance Accidental Injury	Age/Breed/Location dependent	Cats £50 Dogs £60	£1500 Accidents only	Not Rated	Rate Company
	Virgin Pet Insurance Accident and Illness	Age/Breed/Location dependent	Cats £50 Dogs £60	£3000/condition	Not Rated	Rate Company
	Argos Pet Insurance for dogs	Age/breed dependent From £7.12	£50	£1k-£5k	Not Rated	Rate Company
	Argos Pet Insurance for cats	Age/Breed dependent From£4.79	£50	£1k-£5k	Not Rated	Rate Company
	Aviva Dog Insurance	Age/Breed Dependent From £8.04/month	£60 (10yrs+ £60+30%) Select breeds 7yrs+£60+30%	£4K	Not Rated	Rate Company
	NFU Mutual Equine	Age/Location/Breed Dependent	Unknown	£5000	Not Rated	Rate Company
	Stoneways Insurance Services	Age/Location Dependent	£125 Vet Fees £85 Saddlery £250 3rd Party	£	Not Rated	Rate Company
	Asda Cat Insurance	Age/Breed/Location Dependent From £3.94/Month Annual From £4.69 Individual	£40/condition 8Yrs+ £40+35%	£3.5k Annual £6k Individual	Not Rated	Rate Company
	RSPCA Pet Insurance	Age/Breed/Location Dependent	£35 Cats £45 Dogs	£4k	Not Rated	Rate Company
	Asda Dog Insurance	Age/Breed/Location Dependent From £8.50/month	£50/condition 8Yrs+(Select Br 5Yrs) £50+35%	£1.5K	-1.25/10	Rate Company
	Shearwater Insurance	unavailable	Unavailable	£5K	-1.5/10	Rate Company
	Petplan Equine	Age/Location Dependent	£110-£500	£1K-£5K optional cover	-1.75/10	Rate Company
	Direct Line Essential Cover Dogs	Age/Breed/Location Dependent From £7.43	£80-00	£4K per condition	-2.5/10	Rate Company
	Animal Friends Insurance Dog (annual)	£7.62-£12.78 8yrs+ £11.38-£16.36	£49 8yrs+ £49+35%	£0.5K-£4K	-3.75/10	Rate Company
	E&L Insurance Cat	From £3.95 Breed/Age/Location dependant	£49-£69 8yrs+£49-£69+35%	Upto £6000	-5.25/10	Rate Company
	Animal Friends Insurance Cat (annual)	£6.10-£6.75 8yrs+ £8.58-£9.28	£49 8yrs+ £49+35%	£0.5K-£4k	-5.5/10	Rate Company
	Equine and Lifestock	From £3.50 Breed/Age/Location/Value dependant	Vet fees Min £119 or17.5% Tack Min£150 or 17.5% 3rd P £250	Upto £5750 per incident	-7/10	Rate Company
	E&L Insurance Dog	From £5.75 Breed/Age/Locatin dependant The most complained about company in my practice	£49-£69 8yrs+ £49-£69+35%	£1.5k-£6k	-7.58/10	Rate Company