Individual Cover

The pet insurance policy is renewed annually.

The insurance policy will pay out a maximum amount for each condition and there is no time limit over which it can be claimed. The policy excess will be deducted each year for ongoing conditions and new claims.

Once the maximum amount has been claimed that specific condition will be excluded from future cover.

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

Advantage
Less expensive premiums and should cover most short and medium term illness.

Disadvntage
May run out of cover for expensive long term veterinary treatment .

Insurers who offer Individual Condition cover pet insurance policies.

	View Full Details	Premium	Excess	Vet Fees	Visitor Rating	Rate Company
	Direct Line Advanced Policy Dogs	Breed/Age/Location Dependent From £13.70	£80/condition	£6K	7.12/10	Rate Company
	Morethan	From £5.99 cats and £7.99 dogs	Cats £40 or 15% (£70/20% 11yrs+) Dogs £60 or 15% (£90/20% 11yrs+)	£7K	6/10	Rate Company
	Sainsburys Dog Insurance	Age/Breed/Location dependent From £10.61	Choice of £75-125 9Yrs+£125 or 15% Select breeds £125	£7.5K	3.25/10	Rate Company
	Tesco Dog Insurance	From £7	£60	£2.5K Annual - £4k Individual	2.88/10	Rate Company
	petPals Dog	Age/breed/location dependent From £11.50	£40 (£80 select breeds)	£2K	Not Rated	Rate Company
	Debenhams	Breed/Age/Location Dependent From £14.04	£75.00	£4k	Not Rated	Rate Company
	Debenhams	Breed/Age/Location Dependent From £7.91	£75.00	£4k	Not Rated	Rate Company
	petPals Cat	Age/Breed/Location dependent From £7.99	£30	£1.5K	Not Rated	Rate Company
	Tesco Cat Insurance	From £4	£50	£2.5K Annual - £4K Individual	0/10	Rate Company
	Sainsburys Cat Insurance	Age/Location dependent From £6.58	Choice £50-125 9Yrs+ £125 or 15%	£7.5K	Not Rated	Rate Company
	Virgin Pet Insurance Accident and Illness Extra	Age/Breed/Location Dependent	Cats £50 Dogs £60	£6000/ condition	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
	Petplan Equine	Age/Location Dependent	£110-£500	£1K-£5K optional cover	-1.75/10	Rate Company