Level of Cover Pet Insurance

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Cover available from helpucover Pet Insurance

There are three main types of pet insurance policy covering veterinary fees. At helpucover we offer all three categories but you will need to decide which best suits your needs.

Lifetime Policies Premier, Classic, Vital

This is the most comprehensive form of pet insurance and offers vet fees cover up to a maximum amount, which is reinstated each year. This means that if your pet develops a long term chronic illness such as diabetes or an ongoing skin condition, provided it didn't pre-date the policy, this will be covered for the rest of your pet's life. helpucover's Premier, Classic and Vital covers are all lifetime policies.

Per Condition Policies Standard Plus, Standard

These policies impose a maximum benefit per condition. So, to take the example again of an ongoing illness such as diabetes or dermatitis, once that maximum is reached, that condition will then be excluded from further claims and you will need to be prepared to fund the ongoing treatment yourself. helpucover's Standard and Standard Plus covers are per condition policies.

Time Limited Policies - Essential

These policies also offer per condition cover but with a time limit on claims. So, a particular condition, will become excluded under the policy either when the maximum amount has been paid out or 12 months from first date of treatment, whichever is the sooner. helpucover's Essential cover is a time limited policy.

Depending on the type you select will affect the price you pay. Whilst price is obviously an important factor in the decision making process, it is also necessary to check that the level of cover the policy is offering, suits your needs. Per condition and time limited policies are not as comprehensive as lifetime should your pet develop a chronic illness but are a better alternative to no cover at all and certainly can give peace of mind against those unforeseen accidents and shorter term illnesses.

Find out which Pet Insurance Plan is right for you and then get a quick Pet Insurance quote. Apply online and we'll give you a 10% discount on your premiums.

Compare the potential claims paid for Bruno below

Bruno, a 6 year old Boxer Dog, with on-going vet's bills for arthritis:


Total payable:

Year 1

Year 2

Year 3

Year 4

Year 5

Lifetime Cover
Eg helpucover Premier £6k maximum benefit







Total paid £6,721 - still claiming

Per condition cover
Eg helpucover Product Standard Plus - £3k max product







Total paid £3,000 - max reached and condition excluded from policy thereafter

Time Limited cover
Eg helpucover Product Essential






Total paid £789 - 12 month limit reached and condition excluded from policy thereafter