Significant features and benefits

Significant or unusual exclusions and limitations

Sections Of Cover

What is covered

What is not covered

Section 2

Vet's Fees

Bronze and Silver policies

Gold and Platinum policies

Vet's fees cover for 12 months (max limit shown in schedule) for necessary treatment following accident or illness including physiotherapy, certain prescription diets, treatment & referral.

Upgrade for Lifetime and Non-Lifetime policies - Any upgrade in cover or benefit levels endorsed on the policy during the policy term or at renewal of the policy shall not apply to any condition for which a claim has been notified or to a condition showing clinical signs prior to such upgrade becoming effective.

Vet's fees cover for lifetime cover  (max limit in schedule) for necessary treatment following accident or illness including physiotherapy, certain prescription diets, treatment & referral.

Excess - An excess is payable for each condition. Where the treatment dates fall within different calendar years, an excess is payable for each of the different years.

·          Costs for cosmetic, preventative, routine treatments/examinations . Prescribed diets other than those detailed. Treatment connected with spaying, castration, pregnancy or giving birth.

·          Costs for house / out-of-hours calls unless for a life-endangering condition.

·          Costs incurred more than 365 days after the first date of treatment.

·          Costs for cosmetic, preventative, routine treatments/examinations . Prescribed diets other than those detailed. Treatment connected with spaying, castration, pregnancy or giving birth.

·          Costs for house / out-of-hours calls unless for a life-endangering condition.

Section 3

Death from Accident or Illness

Death from accident or illness cover is provided up to the price paid for or market value of your pet whichever is less.

·          Death due to illness of any dog or cat aged 8 years or over.

Section 4

Public Liability

Your legal liability to a third party, for the damages and costs arising from your ownership of the insured pet;  your costs and expenses of defending criminal proceedings incurred with our written consent.

·          Death, bodily injury, loss or damage to you or any property owned, held in trust, in the charge of or under the control of you, any person handling the insured pet with your permission and consent, any person that lives with you, any member of your immediate family, your agent or licensee, any person in the course of their employment or under a contract of service or apprenticeship with you, guest, employer or any person with whom you have a contractual or business relationship.

·          Death or bodily injury, loss or damage to property as a result of the insured pet's interaction with other animals or worrying sheep.

Fines, compensation and prosecution costs following your prosecution under the provisions of the Dogs Act 1871, Dogs (Protection of Livestock) Act 1953, Dangerous Dogs Act 1991 or Dangerous Dogs (Northern Ireland) Order 1991.

Section 5

Emergency Boarding Kennel And Cattery Fees

Cover is provided for the cost of boarding your pet should you have to spend more than 3 days in hospital.

·          Any claims by you or your partner for pregnancy, expected treatment or pre-existing condition.

Section 6

Holiday Cancellation

Cancellation or curtailment of holiday because your pet needs life saving surgery following an accident or illness within 14 days of your holiday.

·       Costs for any holiday booked less than 28 days before you leave.

Section 7

Theft or Straying

We pay up to the purchase price paid or the amount shown in policy schedule if the insured pet is not found within 28 days.  We will also pay towards advertising and reward for your pet.

·          Theft, which does not show forcible and violent entry to a secure area of your home.

Section 8

Accidental Damage

Accidental damage caused to a third party's personal property.

·          Damage to motor vehicles or contents.

·          Damage if pet left unattended or from it vomiting, fouling or urinating.

·          Property owned by you, a member of your family, a relative, guest or other person who is responsible for or in control of your pet.

Section 9

Transportation Costs

Cover if your vet refers you to another practice or veterinary school.

·          Any repeat journey costs unless agreed by us.

Section 10

Personal Accident

If you have to take time off work as a result of being bitten by your pet.

Section 11

Burglary Reward

If the family dog restrains a burglar in your home and this leads to a conviction.

General Exclusions & Limitations that apply to 2 or more policy sections

·          Costs resulting from pre-existing conditions or an injury or illness/disease first showing clinical signs before or within 14 days of your pet's cover starting.

·          Costs arising from vicious tendencies or behavioural problems shown by your pet.

·          Costs not backed up by a receipt/invoice showing full details of the costs incurred.

·          Any claims arising in connection with your carrying on of any trade, business or profession or use of the insured pet for hire or reward.

·          An excess is applicable on most sections of cover and varies dependent on your plan type (Please see policy schedule for full details).

·          Losses arising as a result of your pet undergoing organ transplants.