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Our Policies

We offer various levels of cover for your cat or dog depending on your requirements and budget:

Accident Only

Accident Only provides cover for Vet Fees if your 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 Only

Our Accident and Illness Only 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 the condition is first treated. 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.

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.

Policies
Accident Only
Veterinary Fees £2,000
Benefit Type Accident Only
Excess** £60
Complementary Medicine* £400
Special Diet* -
CT/MRI Scans* -
Cruciate Ligament* £500
Death from Illness*** -
Death from Accident*** -
3rd Party Liability (dogs only, £250 Excess) £1,000,000
Advertising & Reward -
Loss by Theft or Straying -
Holiday Cancellation -
Accident & Illness Only
Veterinary Fees £2,000 Per Condition, Per Year
Benefit Type Lifetime
Excess** £60
Complementary Medicine* £400
Special Diet* -
CT/MRI Scans* -
Cruciate Ligament* £500
Death from Illness*** -
Death from Accident*** -
3rd Party Liability (dogs only, £250 Excess) £1,000,000
Advertising & Reward -
Loss by Theft or Straying -
Holiday Cancellation -
Accident & Illness Essential
Veterinary Fees £2,000
Benefit Type 12 Month#
Excess** £60
Complementary Medicine* £400
Special Diet* £100
CT/MRI Scans* £500
Cruciate Ligament* £1,500
Death from Illness*** £750
Death from Accident*** £750
3rd Party Liability (dogs only, £250 Excess) £1,000,000
Advertising & Reward £250
Loss by Theft or Straying £750
Holiday Cancellation £750
Accident & Illness Plus
Veterinary Fees £3,500 Per Condition, Per Year
Benefit Type Lifetime
Excess** £60
Complementary Medicine* £500
Special Diet* £100
CT/MRI Scans* £875
Cruciate Ligament* £1,500
Death from Illness*** £1,000
Death from Accident*** £1,000
3rd Party Liability (dogs only, £250 Excess) £1,000,000
Advertising & Reward £400
Loss by Theft or Straying £1,000
Holiday Cancellation £1,000
Accident & Illness Extra
Veterinary Fees £7,500 Per Year
Benefit Type Lifetime
Excess** £60
Complementary Medicine* £750
Special Diet* £100
CT/MRI Scans* £1,875
Cruciate Ligament* £1,500
Death from Illness*** £1,500
Death from Accident*** £1,500
3rd Party Liability (dogs only, £250 Excess) £2,000,000
Advertising & Reward £500
Loss by Theft or Straying £1,500
Holiday Cancellation £1,000

* The Benefit Limits for Complementary Medicine, Special Diet, CT/MRI Scans, Cruciate Ligament and Dentistry (where these are covered) are included in the overall Benefit Limit for Veterinary Fees and are subject to the same excess.

** An excess of £60 is taken for each accident or illness treated during each policy period. The exception to this is the Accident and lllness Essential Policy where the excess is deducted once per condition. For pets aged 8 years or over a 15% co-payment applies to each claim for Veterinary Fees, Complementary Medicine, Special Diet, CT/MRI Scans, Cruciate Ligament and Dentistry in addition to the standard excess.

*** A one off payment of up to the maximum Benefit Limit shown upon the death of your pet up to the age of 8 years old. Death from illness/accident is not included on Accident Only or Accident and Illness Only covers.

# A £250 excess is paid once per claim.

## Payments for Veterinary Fees are limited to costs incurred within 1 calendar year from the date the condition is first treated or the maximum Benefit Limit, whichever is reached first and subject to renewal.

† Subject to the policy remaining in force, premiums being paid up to date and the insurer inviting renewal, there is no limit on how long you can claim for illness or injury.

On all levels of cover apart from Accident only a 14 day waiting period applies to claims for illness. If your policy inception date is prior to 01/07/2014 this waiting period is 7 days.

Please refer to the Policy Wording and Insurance Product Information Documents for full details of cover.

Policy Wording Policy Wording
Accident Only Insurance Product Information Document
Accident & Illness Only Insurance Product Information Document
Accident & Illness Essential Insurance Product Information Document
Accident & Illness Plus Insurance Product Information Document
Accident & Illness Extra Insurance Product Information Document
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