Lifetime Policy: As a practice this is the type of cover we recommend. It does exactly what it says, cover for life. Depending on the level of cover chosen, i.e. £6,500, your pet will be covered for £6,500 per year. Providing you renew each year the pot will re-fill to £6,500 each year & your pet will be covered for his/her lifetime without any exclusions*. Agria Pet Insurance only offers Lifetime cover.
Maximum Benefit or Per Condition Policies: The insurer will give you a pot of money per condition. Once this pot of money has been used up for that condition, then that condition will be excluded on your existing policy and pre-existing if you move to a new insurer. These policies often cost less but this is due to the fact that the level of cover is limited.
12 Month Policy: Covers vet fees for up to 12 months from when a problem was first identified. After that 12 month period the condition will be excluded (you will not be able to claim for that condition again). If you move to a new insurer, the condition will be pre-existing & not covered. These policies often cost less still but this is due to the fact that cover is even more limited.