• Reinstatment Policy – This is where pet insurers offer a fixed amount each year to cover vet fees which is then reinstated each year when the policy is renewed. This level of cover is best suited for pets with ongoing conditions. It can be expensive but it pays in the long run for a pet who needs regular visits to the vet.
• Maximum Limit – This type of policy includes a maximum limit paid for each condition. This way you can continue to claim until the limit is reached. This can also be suitable for long pets with long term conditions and generally works out cheaper than a reinstatement policy.
• Maximum Monetary Limit – This policy type also has a maximum paid out limit for each condition but includes a maximum time limit that the condition can be claimed for. Once either the payout limit or time limit is reached the condition will no longer be covered. This is also referred to as a 12 month policy. 

Many pet insurance policies offer additional add-ons so that you can tailor your policy to your pet.

Pet insurance policies may offer cover for:

• Illness, injury and disease
• If your pet dies due to an accidental injury
• Injury to third parties or damage to their property
• Holiday cancellation
• Hospitalisation of the owner (kennel fees)
• Death from Illness
• Pet travel insurance
• Alternative treatments
• Third Party Liability