12 for 9 months introductory discount applied over first 12 months, offer ends 6th September 2016.
Multi-pet discount if you insure more than one pet on the same policy. Discounts applied consecutively.
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Introductory offer. Excludes Single Trip Travel, Discoverer Travel, Over 50s Life and SELECT Premier. This offer includes Breakdown when it’s bought over the phone. But if Breakdown was the first cover you took out the offer won’t apply if you take out car or van insurance. Minimum premiums apply. Discounts applied consecutively.
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Any illness or disease that happens during the first 14 days of the policy or any condition that is present before the start date of the policy would not be covered. This includes recurrence of any illness, disease or injury that was present before cover started or that occurred during the first 14 days of your pet being covered.
It doesn’t cover any preventative, non-essential or routine treatments or tests, such as flea treatment, neutering and vaccination, behavioural problems, pregnancy, food and dental treatment (unless the dental treatment is due to accidental external injury) and any costs that, as a pet owner, you would normally expect to pay.
There is also no cover for any claim that results from an incident covered by other insurance, for example Third Party Liability.
Please refer to the policy wording for full details.
We offer two levels of cover. Our Essential policy covers each separate condition for 12 months from the first date of treatment, up to a maximum of £4,000 per condition. This policy is suitable for unexpected accidental injuries or for acute conditions that are unlikely to require long-term treatment. Our Advanced policy covers each separate condition up to a maximum of £8,000, with no time limit on reaching this amount. The Advanced policy is suitable for on-going conditions such as arthritis or heart conditions. Treatment for the condition will be covered until the maximum benefit of £8,000 has been reached.
Once a pet is insured with us we will continue to insure it. We do not restrict cover or increase the excess due to a pet’s age. Please note that all cover for ongoing claims is subject to the policy remaining in force.
The excess is the part of the claim you must pay. For veterinary fees an excess applies once per condition and is currently £70 for cats and £80 for dogs. There is also an optional voluntary excess – currently £140 for cats and £160 for dogs. If you choose this optional excess, your premium will be lower.
There is an excess for material damage to property under section 7 - Third Party Liability. This is £250.
If you have any other excess applied to your policy this will be detailed in a separate endorsement letter or appear on your schedule.
At present we don't increase the excess as your pet ages. The excess is taken once per condition and is deducted from the claims settlement.
We are happy to send claim payments directly to your vet, as long as they are happy for us to do so. You can tell us who should receive the claim payment on the claim form. If you would like us to pay your veterinary practice directly, you should pay the excess to the practice first.