What Our Policies Cover
We offer various levels of cover for your cat or dog depending on your requirements and budget:
Accident Only
Accident Only is an affordable policy which only provides cover for Vet Fees if you pet has an accident. It provides cover of
up to £2000 per condition per policy year and includes some cover for alternative treatments such as hydrotherapy.
Accident & Illness
Our Accident and Illness policy is similar to the Accident Only but also provides cover should your pet become ill.
Accident & Illness Essential
Our 12 month cover offers the same level of veterinary fees but includes additional benefits. We will cover veterinary fees up
to the limit of £2,000 per condition for 12 months from the date of onset. We will also cover boarding fees if you have to
go into hospital and the cost of your pet if the worst happens and your pet dies. If you are going abroad and taking your pet with
you and complications occur with the pet passport we can help cover the costs.
Accident & Illness Plus
Benefit Limits for veterinary fees apply per condition, per policy year and the additional benefit limits are increased.
Accident & Illness Extra
All claims are taken out of the cover of £7,500 in the policy year. If this limit is reached in a year then you will not be
able to make another claim until the policy renews at which point the £7,500 is reinstated and all claims are taken from this
recharged pot of money. The additional benefit limits are increased and there is some cover for personal accident and accidental damage.
Please refer to the policy wordings below for full terms and conditions.
| Veterinary Fees* |
£2,000
per condition, per year |
£2,000
per condition, per year |
£2,000
per condition, for 12 months |
£3,500
per condition, per year |
£7,500
per year |
| Accident Cover |
Yes |
Yes |
Yes |
Yes |
Yes |
| Illness Cover |
- |
Yes |
Yes |
Yes |
Yes |
| Cruciate Ligament* |
£500 |
£500 |
£1,500 |
£1,500 |
£1,500 |
| Complementary Medicine* |
£400 |
£400 |
£400 |
£500 |
£750 |
| CT/MRI scans and associated costs* |
- |
- |
£500 per condition |
£875 per condition |
£1,875 per year |
| Dentistry as a direct result of an Accident* |
- |
- |
£2,000 |
£3,500 |
£7,500 |
| Public Liability (Dogs Only)*** |
£1,000,000 |
£1,000,000 |
£1,000,000 |
£1,000,000 |
£2,000,000 |
| Special Diet* |
- |
- |
£100 |
£100 |
£100 |
| Death of Pet** |
- |
- |
£750 |
£1,000 |
£1,500 |
| Daily Minding - Boarding Kennel/Cattery Fees |
- |
- |
£500 |
£500 |
£750 |
| Holiday Cancellation |
- |
- |
£750 |
£1,000 |
£1,000 |
| Loss by Theft or Straying |
- |
- |
£750 |
£1,000 |
£1,500 |
| Advertising and Reward |
- |
- |
£250 |
£400 |
£500 |
| Accidental Damage |
- |
- |
- |
- |
£250 |
| Personal Accident |
- |
- |
- |
- |
£750 |
| Overseas Travel Extension |
- |
- |
£2,000 |
£3,500 |
£7,500 |
Current policy documents
if you are an existing policy holder please contact us to request
a copy of your policy documents
|
Policy
Wording |
Policy
Wording |
Policy
Wording |
Policy
Wording |
Policy
Wording |
| Key Facts |
Key Facts |
Key Facts |
Key Facts |
Key Facts |
* An excess of £99 is deducted from your benefit for each illness or accidental injury condition treated during each policy period.
The exception to this is the Accident & Illness Essential policy where the excess is applicable per condition. Special note in respect
of pets aged 8 years or over: For Veterinary Fees, Complementary Medicine and Cruciate Ligament claims a 15% co-payment will apply to each
claim payment in addition to the deduction of the standard excess.
** A one off payment up to the amount shown upon the Death of Your Pet.
***An excess of £250 applies to Public Liability.
On policies where illness is covered a 7 day waiting period applies to illness only.
Please refer to the policy wording and key facts documents for full details of cover written in plain English.