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Time limited pet insurance

Time limited pet insurance

12 month insurance cover for your cat or dog

Provided by Pinnacle Insurance plc

Need any information? Just ask us a question.

Is time limited pet insurance right for you?

Maybe you’re a lifelong pet owner or are getting ready to welcome your first cat or dog into your home. Either way, it’s important to consider pet insurance.

From unexpected ill health to getting lost, your pets can get into all sorts of scrapes. Our time limited cover gives you peace of mind that you’ll get help to pay for the short-term treatment your pet needs.

Our time limited cover helps pay for the treatment your pet needs for an illness or condition it’s never suffered from before. It pays for up to 12 months of treatment, or up to £3,000 of vet fees – whichever comes first.

As well as financial support, our insurance comes with these extra benefits:

  • Professional 24/7 support from the Sainsbury’s Bank Vet Assistance helpline
  • Discount for Nectar members *
  • Multi-pet discount for each animal you insure with us †
  • Manage your policy online with My Pet Portal

What does our time limited insurance cover?

It can be difficult to find the cash for unexpected bills and surprise expenses. Our time limited pet insurance is here to help you pay vet fees if your cat or dog has a short-term health issue.

It’ll pay up to a set amount – this is the Vet Fee Limit listed on your insurance certificate – for up to 12 months from start of treatment.

You can make claims for different treatments during the year. We'll pay up to the individual limit for each condition or for up to 12 months from start of treatment whichever occurs first.

Benefit Time limited £3,000
Cover for 12 months or up to max amount below
Treatment period 12 months
Treatment basis per condition
Veterinary fees
Veterinary helpline
Additional benefits
Holiday cover


Veterinary fees can include:

Benefit Time limited £3,000
Dental Cover (routine dental not included) up to £3,000
Complementary Treatment up to £500
Physiotherapy up to £500
Behavioural illnesses (excludes the cost of any damage to your home) up to £3,000
Overseas veterinary treatment up to £3,000


Additional benefits and limits:

Benefit Time limited £3,000
Death from accident/injury £1,000
Death from illness £1,000
Cremation £200
Advertising & reward (dogs must be microchipped, local advertising only) £1,000
Theft or straying (dogs must be microchipped) £1,000
Emergency boarding kennel/cattery fees (if you're hospitalised for over 48 hours) £1,000
3rd party liability (dogs only) £2 million


Holiday travel cover:

Benefit Time limited £3,000
Holiday cancellation £1,000
Quarantine costs £1,000
Loss of healthcare certificate £250
Emergency expenses abroad £1,000



Please note that we won't cover any pre-existing conditions and that terms, conditions, excesses, exclusions and limitations apply. You can find out more about the terms of our cover in our policy documents.

The cover won’t pay out to treat the same health issue in the future – this helps us keep it affordable for you. But it does mean that if your pet develops something like eczema or arthritis that can flare up time and again, the insurance will only pay for the first 12 months of treatment.

Our lifetime cover is a great option to consider if you’d like cover for recurring conditions, or if you would like cover that allows you to claim for the same condition up to your chosen policy limit, we also provide maximum benefit cover that may suit your needs.


Any more questions?

There’s no such thing as a silly question. Check out our FAQs for answers to the ones that crop up most often.


Handy pet guides

Whether you’re already a proud pet owner, or are thinking about getting one, we’ve created some helpful pet guides covering all sorts of topics. Is your home as pet friendly as possible? Need to know more about microchipping? Our guides will give you the lowdown.

Explore all pet guides

Explore all pet guides

All you need to know about cats and dogs

Jargon made simple

Jargon made simple

Pet insurance terms explained

Happy and healthy pets

Happy and healthy pets

Top tips on animal wellbeing

Ready to buy time limited pet insurance?

If you’re ready to get your policy in place you can do everything online and get started right away.


Need to talk to us?

If you can’t find the answers you need on our help and support page, or if you’d prefer to speak to someone directly, just get in touch.

Terms and conditions

* The discount is based on information related to you and the Sainsbury’s and Sainsbury’s Bank transactions linked to your Nectar account. For more information on how we use your data, go to

† Multi-pet discount is a minimum of £24 when insuring more than one pet as this is worked out at £1 per pet per month for each pet on a policy. Pets can have different cover levels. Discount deducted separately from any other offer.

Important information

Sainsbury's Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England and Wales, no. 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register no. 184514). Sainsbury's Supermarkets Ltd is an appointed representative of Sainsbury's Bank plc.

Sainsbury's Bank plc acts as an introducer to Pinnacle Insurance plc who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered Office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX. Sainsbury’s Bank plc and Pinnacle Insurance plc are not part of the same corporate group.