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 arose during the first 14 days of your pet being covered.
It doesn't cover any preventative, non-essential or routine treatment 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 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.
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're happy to send claim payments directly to your vet, as long as they're 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.
We don't offer a no claims discount on the premium for pet insurance. This is because we don't want to discourage owners from taking their pet to see a vet and claiming for necessary treatment just to save money on their premium.