Document of Pet Insurance

Transcription

1 Documet of Pet Isurace

2 Welcome to LV= We re delighted you ve chose us Thaks for buyig a LV= isurace policy. We re really pleased that you ve chose us for your pet isurace ad we re cofidet you ll be happy with the cover ad service you receive. This booklet cotais everythig you eed to kow about your isurace ad how to cotact us. So make sure you keep it safe with your pet isurace schedule. Exceptioal service Our claims service goes the extra mile committed to doig the right thig for our policyholders, we ll aim to settle claims quickly ad efficietly, eve i the most difficult circumstaces. Should you ever eed to make a claim, just call our friedly UK call cetre o We hope you ll be a LV= customer for may years to come. Joh O Roarke Maagig Director Liverpool Victoria Isurace Compay Limited 1 DOCUMENT OF INSURANCE PET

3 Cotets Page Welcome to LV= 1 Limits of what we cover 3 Your pet isurace policy 4 Useful iformatio 4 to make a claim 4 helplies 5 how to make a complait 5 Defiitios 6 Importat iformatio about your policy 7 how your policy works 7 policy types 8 excesses 8 related, recurrig, ogoig ad bilateral coditios 9 cacellatio 10 at reewal or the aiversary date of the policy 11 trasfer of rights 11 vets ad your pet isurace policy 11 authorisatio for claims costs before you icur them 12 Geeral coditios 12 Geeral exclusios 14 Sectio 1: Veteriary fees 15 Sectio 2: Liability to other people 19 Sectio 3: Death from illess 21 Sectio 4: Death from a accidet 22 Sectio 5: Advertisig ad reward 23 Sectio 6: Loss of pet from theft or strayig 24 Sectio 7: Boardig or pet midig fees 25 Sectio 8: Holiday cacellatio 26 Sectio 9: Accidetal damage to third party property 27 Sectio 10: Additioal overseas cover 28 Part A Quaratie costs 28 Part B Replacemet pet passport 28 Part C Repeat tapeworm treatmet 29 Part D Additioal trasport ad accommodatio costs 29 DOCUMENT OF INSURANCE PET 2

4 Limits of what we cover The followig is oly a summary of the mai limits of what we cover. You should read the rest of this policy for the full terms ad coditios. If you check your pet isurace schedule, it will show you whether you have a Essetial or Premier policy. Sectio of cover Limit of cover - Essetial policy Veteriary fees 12 moths of cover from the start of each coditio up to a maximum of 5,000 for each coditio - Detal cover Accidetal ijury ad milk teeth removal oly - Complemetary therapy - Behavioural treatmet Liability to other people for ijury ad property damage for dogs oly Death from illess for dogs up to 9 years old ad cats up to 11 years old Death from accidet 5 sessios automatically covered (additioal sessios must be approved by us) Limit of cover - Premier policy 10,000 i each 12 moth policy period (for all coditios i total) Icluded provided aual check ups & prevetative treatmet are udertake 10 sessios automatically covered (additioal sessios must be approved by us) No cover Icluded 16 2 millio 3 millio 19 Purchase price up to 750 Purchase price up to 750 Purchase price up to 1,500 Purchase price up to 1,500 Page Advertisig ad reward Loss of pet from theft or strayig Boardig or pet midig fees Holiday cacellatio Accidetal damage to third party property 750 icludig a maximum 500 reward Purchase price up to 750 1,500 icludig a maximum 500 reward Purchase price up to 1, , ,000 3, No cover DOCUMENT OF INSURANCE PET

5 Sectio of cover Limit of cover - Essetial policy Additioal overseas cover Quaratie costs Replacemet pet passport Repeat tapeworm treatmet Additioal trasport ad accommodatio costs 1,500 per 12 moth policy period 250 per 12 moth policy period 1,000 per 12 moth policy period Limit of cover - Premier policy 2,000 per 12 moth policy period 500 per 12 moth policy period 1,000 per 12 moth policy period 750 1, Page Excesses that apply The excess is the amout you must pay towards a claim before we ll make ay paymet. The excesses that apply to your policy are show o your policy schedule. Additioal policy terms If ay additioal policy terms, coditios, restrictios or cover extesios apply to your policy these will be show as edorsemets o your pet isurace policy schedule. Your pet isurace policy Please read this documet of pet isurace, the schedule ad the importat iformatio leaflet as oe documet. This is your cotract of isurace with us. I retur for your premium we ll give you isurace cover as set out i this booklet accordig to the policy type ad period of cover show o your schedule. Your policy is uderwritte by Liverpool Victoria Isurace Compay Limited ad admiistered by BDML Coect Limited (Registered No ). Useful iformatio To make a claim (Mo-Fri 8am-6pm, Sat 9am-2pm) Follow these simple steps: 1. Call us as soo as possible o the umber above. 2. Please have your policy umber ad iformatio about the claim ready whe you call. Please ote: If you re goig to aother vet for a secod opiio, you must call us before you go if you wat us to cosider paymet of the secod opiio veteriary treatmet fees. For liability ad accidetal damage claims you must call us as soo as you are aware of ay circumstaces that could result i a claim, eve if you thik the third party is ulikely to claim agaist you DOCUMENT OF INSURANCE PET 4

6 Importat You must tell the appropriate authority ad welfare cetres if your dog goes missig, ad otify local rescue cetres if your cat goes missig. Next steps We ll settle your claim accordig to the cover you have as described i this policy, oce we have all the iformatio ad documeted evidece we eed to support your claim. For veteriary fee claims we ll eed the followig: a claim form fully completed ad siged by you ad your vet a fully itemised ivoice (or fully itemised receipt) for the treatmet you re claimig for your pet s cliical history; we must have the full lifetime medical history for your pet from all the veteriary practices you have atteded with your pet Please ote: Ay iformatio we eed to cosider the settlemet of a claim will be at your expese, icludig ay traslatio that may be required (eg if your pet receives vet treatmet abroad). Ay paperwork from your vet must be o the veteriary practice headed paper detailig the practice address, VAT registratio umber, directors (where applicable) ad siged by the vet. We strogly recommed that you do ot allow your vet to complete ad the sed o your claim form to us, but that you review all the iformatio they are providig (ad take a copy for your records) to make sure you re happy with it before you sed it to us. Please sed your claim form ad the ecessary iformatio to: LV= Pet Claims Departmet, 1000 Lakeside North Harbour, Wester Road, Portsmouth, PO6 3FA If your vet is happy for us to pay them directly, we ca do this; however you must pay your vet ay amout that is ot covered by your policy. With your policy you have access to these support umbers: Vet Search (Mo to Fri 8am-6pm, Sat 9am-2pm) If you eed help fidig a vet i the UK. Pet bereavemet / illess cousellig (24 hours a day, 365 days a year) A cofidetial ad professioal service providig you with someoe to talk to if your pet is ill, goes missig or dies. Legal advice (24 hours a day, 365 days a year) Lawyers are available to provide advice ad explai legal issues relatig to your pet. How to make a complait For full details o how to make a complait, please see the policy summary ad importat iformatio leaflet. 5 DOCUMENT OF INSURANCE PET

7 Defiitios Some words or phrases have a special meaig i the policy. These are show below i alphabetical order. Wheever these words or phrases appear i bold i this documet, or if they appear o your schedule, their meaig is below: Alterative medicie Behavioural treatmet Complemetary therapy Illess Ijury Period of isurace Pet Pet Travel Scheme Policy period Herbal or homoeopathic medicie recommeded by your vet ad prescribed by a suitably qualified vet i a period of isurace. Treatmet or therapy recommeded by a vet because of a metal or emotioal disorder ot caused by a lack of traiig or socialisatio ad that could t have bee preveted by traiig ad/or socialisatio, which is provided by a vet or Certified Cliical Aimal Behaviourist or member of the Associatio of Pet Behaviour Cousellors (APBC) or member of the Caie ad Felie Behaviour Associatio (CFBA) i a period of isurace. Acupucture, hydrotherapy, osteopathy, physiotherapy or chiropractic therapy where both the therapy ad the suitably qualified therapist has bee recommeded by your vet. Sickess, disease, defect, abormality or chage i your pet s ormal healthy state or bodily fuctios but ot behavioural, metal or emotioal problems. Physical bodily damage or trauma to your pet as a result of oe sudde ad uexpected exteral evet. The period of cover for which the premium has bee paid ad for which the isured pet is covered. For aual policies this is the period show o your isurace schedule. For mothly policies this is a caledar moth for which we have received the mothly premium. The dog or cat amed o your policy schedule. The Govermet scheme allowig you to take your pet abroad to certai specified coutries ad re-eter the UK without the eed for your pet to go ito quaratie as log as you meet the criteria of the scheme (see for more iformatio). A period of 12 cosecutive moths begiig o the start date or the reewal or aiversary date of the isurace as show o your isurace schedule. DOCUMENT OF INSURANCE PET 6

8 Pre-existig coditio Related coditio(s) Treatmet Trip UK Vet We, our, us You, your Ay illess, ijury, behavioural problem or vicious tedecy, or ay sigs of illess, ijury, behavioural problem or vicious tedecy that occurred or existed i ay form before the start date of the policy; ad ay illess or behavioural problems or ay sigs of illess or behavioural problems that occur i the first 14 days immediately followig the start date of the policy; ad ay ijury that occurs i the first 48 hours followig the start of the policy A illess or ijury that affects more tha oe part of your pet s body, or occurs more tha oce, or that your pet is proe or susceptible to (see Related, recurrig, ogoig ad bilateral coditios o page 9 for more iformatio). Necessary cosultatios, examiatios, advice, tests, x-rays, drugs, medicatio, surgery, ursig or care, that is provided by or give uder the istructio of a vet i a period of isurace. A holiday you take with your pet to a qualifyig listed coutry icluded i the Pet Travel Scheme that starts ad eds i the UK. Eglad, Scotlad, Wales, Norther Irelad, the Chael Islads ad the Isle of Ma. A qualified veteriary surgeo registered with the Royal College of Veteriary Surgeos to practise i the UK, or registered to practise i the coutry i which treatmet is received if this is outside of the UK. Liverpool Victoria Isurace Compay Limited, ad where used, its appoited agets. The perso amed o the pet isurace schedule who is the ower ad legally resposible for the pet. Importat iformatio about your policy How your policy works The purpose of ay isurace is to provide cover for the uexpected. Pet isurace does t cover all situatios. There is o cover for ay illess, ijury or behavioural problem, or ay sigs of illess, ijury or behavioural problem that occurred or existed i ay form before the start of your policy. This icludes aythig that is oticed durig this period eve if it does t result i the eed to make a claim util later. There is also o cover for ay ijury that occurs i the first 48 hours followig the start of the policy ad o cover for ay illess or behavioural problem that occurs i the first 14 days of your policy. Your policy provides cover i the UK ad exteds to cover your pet while temporarily i ay EU listed coutry or o EU listed coutry of the Pet Travel Scheme provided you comply with all the regulatios ad requiremets of the scheme that apply both i the UK ad the coutry you are travellig to. However, o liability cover is provided i o EU listed coutries. Further iformatio about the Pet Travel Scheme ca be foud at 7 DOCUMENT OF INSURANCE PET

9 Policy types We provide two types of policy: The Essetial policy provides cover for a coditio for the 12 moth period immediately followig the date your vet first gives treatmet for the coditio (ad provided you cotiue to pay the premium). O the Premier policy you have a amout of moey to cover all coditios i a 12 moth period (policy period). If you reach the moetary limit i that 12 moth period the o further cover for treatmet is provided util the policy reewal or aiversary date. If you cotiue with the cover from the policy reewal or aiversary date the moetary limit is re-set ad applies agai. If you wat to chage your cover from Premier to Essetial or from Essetial to Premier at reewal or o the aiversary date of the policy we ca cotiue to provide cover for the cost of treatmet of a illess or ijury that first showed cliical sigs durig a policy period, but oly up to the time ad moetary limits of the Essetial policy. If you chage the type of policy you have durig the policy year (istead of at the policy reewal or aiversary) we wo t be able to provide cover for ay coditios that started before the ew policy start date, eve if they were covered o your previous policy. Excesses The excess is the amout you must pay towards a claim before we ll make ay paymet. The amouts that apply are show o your isurace schedule. The excesses apply i the followig way. Essetial policy excesses: Sectio 1 veteriary fees a excess applies to each urelated coditio, illess or ijury if you see aother vet, therapist or behaviourist (eg for alterative or complemetary therapy or behavioural treatmet) for the same coditio, illess or ijury, aother excess will apply. It will be take off the first claim for treatmet from that additioal vet, therapist or behaviourist Sectio 2 liability to other people for ijury ad property damage a excess applies to ay claim for property damage Sectio 8 holiday cacellatio a excess applies to each claim for holiday cacellatio Premier policy excesses: Sectio 1 veteriary fees a excess applies to each urelated coditio, ijury or illess you make a claim for i each policy period. This meas a excess amout will be deducted from the first claim that you make for treatmet of each coditio, illess or ijury after each reewal or aiversary date. This may result i two excesses beig take close together if your pet receives treatmet for the same ijury or illess over differet policy periods (ie if your reewal date falls while treatmet is o-goig) DOCUMENT OF INSURANCE PET 8

10 if you see aother vet, therapist or behaviourist (eg for alterative or complemetary therapy or behavioural treatmet) for the same coditio, illess or ijury, aother excess will apply. It will be take off the first claim for treatmet from that additioal vet, therapist or behaviourist Sectio 2 liability to other people for ijury ad property damage a excess applies to ay claim for property damage Sectio 8 holiday cacellatio a excess applies to each claim for holiday cacellatio Sectio 9 - accidetal damage to third party property a excess applies to each claim Related, recurrig, ogoig ad bilateral coditios Related illesses ad/or ijuries iclude coditios that are likely to be recurrig, ogoig or affect a part of the body that forms a pair eg kees, feet, shoulders, eyes, ears. This is the way the policy works rather tha it ecessarily beig scietific fact, so your vet may state that coditios are ot techically related but your policy terms require us to treat them i this way. Related coditios are treated as oe coditio ad this icludes paymet of the veteriary fees excess. Below are just a few example scearios: if your pet suffers damage to a right kee ligamet ad some years later suffers damage to a left kee ligamet, these will be cosidered to be the same illess or ijury if your pet has a growth o its back ad later gets the same type of growth o its leg these will be treated as the same illess. (Note that if your vet is uable to cofirm whether or ot the growths are the same type we will cosider them to be for the purposes of this policy) if your pet suffers from recurrig ear ifectios (i either or both ears) these will be treated as oe related coditio if your pet suffers from recurrig ski problems they will all be treated as oe illess Beefit limits are applied from the start of a coditio, so if a illess recurs or occurs i a differet part of the body at a later date, the start of the treatmet will be take as the date the pet first visited a vet for the illess. This will be doe regardless of how much time has passed betwee the origial visit ad the recurrece of the coditio or the start of the coditio i aother part of your pet s body. This meas if you have a Essetial policy: you may ot have ay cover for a recurrece of a illess or ijury if it happes more tha 12 moths after the start of the first occurrece of the illess or ijury the amout already paid for a illess or ijury will cout towards the maximum beefit limit the beefit limit that will apply will be the oe that applied to the period of isurace whe the coditio first started you wo t have to pay aother excess 9 DOCUMENT OF INSURANCE PET

11 Cacellatio Your cacellatio rights You ca cacel up to 14 days after you receive your documets Whe you get your documets, if the cover does t meet your eeds; you ca cacel your isurace by tellig us. If you do this withi 14 days, we ll refud ay moey you ve paid, less a charge for the cover you ve had, withi 30 days of you tellig us that you d like to cacel. More tha 14 days after you receive your documets After the iitial 14 day period, if you ve ot made a claim, we ll refud ay moey you ve paid, less a charge for the cover you ve had. If you ve made a claim, or have a mothly policy, o refud will be paid uless the claim was for the death or loss of your pet. Aual policy Cacellatio at reewal We ll sed you a reewal ivitatio aroud three weeks before your reewal date. This will show your reewal premium ad ay chages to your cover. You must cotact us before your reewal date to cotiue with your cover. If you reew but the decide to cacel, provided you tell us before your reewal date, we ll refud what you ve paid i full. If you cacel after your reewal date has passed you will be charged i lie with the cacellatio rules detailed above. Mothly policy Aual review If you have chose a mothly policy we will cotiue your pet isurace util it is cacelled. We ll sed you a aual review letter before the aiversary of your pet isurace policy. This will show your premium for the ext 12 cosecutive moths ad ay chages to your cover. If you decide you do t wat to cotiue with the cover, please cotact us ad cacel your Direct Debit istructio with the bak. We reserve the right ot to ivite reewal of your policy or ot to cotiue your policy from the aiversary date. If this is the case we will write to you aroud 3 weeks before the policy ed date or aiversary date explaiig the reaso. To cacel your isurace cover, please cotact us at: LV= Pet Isurace, 1000 Lakeside North Harbour, Wester Road, Portsmouth, PO6 3FA. Tel. o For TextDirect please dial first. (Opeig hours: Mo-Fri 8am-8pm, Sat 8am-5pm). Our right to cacel We ll cacel your isurace by givig you 7 days otice if: you do t pay the premium whe we have otified you that the outstadig amout is required by a specific date you or ayoe else covered by this isurace has ot met the terms ad coditios i this documet of pet isurace icludig those show o your schedule a chage i your circumstaces meas that we ca o loger provide cover we idetify misrepresetatio or fraud or ay attempt to gai a advatage uder this isurace to which you re ot etitled (see geeral coditio 11 o page 13) you behave i a maer that makes it iappropriate for us to cotiue your isurace eg if you harass or show abusive or threateig behaviour towards our staff DOCUMENT OF INSURANCE PET 10

12 Our cacellatio letter will be set to your last kow address ad cofirm the reaso for cacellatio. Your isurace will ed immediately the 7 days otice rus out. But if you ve just take out a policy or reewed with us ad the premium is upaid, we ll cacel your isurace from the start/reewal date. We ll refud the balace for the remaiig period of cover uless we ve idetified fraud. If a claim has bee made, we ll cacel your cover but we may ot refud ay premium. At reewal or the aiversary of the policy As pets get older the likelihood of them becomig ill ad eedig treatmet icreases, so it is usual for premiums to icrease each year. Excesses, beefits ad other policy terms ad coditios may also be chaged at reewal or o the aiversary date of the isurace, but if we do make ay chages these will be clearly highlighted to you. Trasfer of rights You ca t trasfer your rights uder this policy. A perso who is t amed o the schedule for this policy has o rights uder the Cotracts (Rights of Third Parties) Act 1999 to eforce ay of its terms. If you wish to pass owership of your pet oto someoe else ad wat the pet to have cotiuous isurace cover with us, you must otify us before the policy is cacelled or cover lapses ad we may arrage for a ew policy to be take out i the ame of the ew ower. Vets ad your pet isurace policy Your pet isurace policy is a cotract betwee us ad you. It is a coditio of the policy that we ca give ay iformatio about your policy to ay vet that has treated, or is goig to treat your pet ad that ay curret or previous vet you ve used ca provide us with iformatio that we may eed (your vet may ask you for your explicit coset before they are happy to do this). Veteriary practices ca differ widely i how they are ru ad how charges are applied. To make sure we treat all our customers i a fair ad cosistet way it is importat that we receive as much iformatio as possible about the claim you re makig ad that is why, for every vet fees claim, we must have a full cliical history ad full breakdow of what charges are for. Ivoices or receipts for costs must have a ivoice or receipt umber o them issued by your vet ad be o your veteriary practice s headed paper this is for trackig purposes ad to help prevet fraud. It is your resposibility to make sure you pay for ay treatmet or therapy your pet receives. If a additioal charge is added to the cost because of late paymet of fees, we wo t pay this amout. If you re offered a discout for payig the cost of treatmet withi a certai amout of time we will oly pay the lower amout. The Royal College of Veteriary Surgeos (RCVS) registers vets to practise i the UK ad regulates their educatioal, ethical ad cliical stadards. Your vet has a resposibility to both you as their cliet ad us as the isurer of your pet. Your vet has a professioal resposibility to act i a ethical ad hoest way ad should t be asked to cofirm somethig they had o actual evidece of. 11 DOCUMENT OF INSURANCE PET

13 The amout vets charge ca vary widely. This is ofte iflueced by the locatio of the practice ad the equipmet the veteriary practice has ivested i. It is importat to us to keep our premiums as low as we ca ad this is depedet o claim costs. The RCVS does ot regulate what vets charge; however it does state that vets treatig a aimal covered by pet isurace should charge the ormal practice fee rates ad that pet isurace should ot result i work beig carried out that does t promote the pet s welfare. If we see charges that are a lot higher tha we ormally see for the same procedure or treatmet by other veteriary practices, or treatmet that seems uecessary or excessive, we may challege these ad ask the vet for a explaatio. This may delay paymet of your claim. If we do t get a satisfactory explaatio from the vet we may refer to a idepedet vet for his/her opiio ad where ecessary we will report excessive charges ad treatmet to the RCVS to ivestigate through their complaits process. If you have evidece that differet charges are beig applied or uecessary treatmet is beig recommeded, please let us kow. If you have a complait about a veteriary surgeo this ca be reported to the RCVS for ivestigatio. More iformatio ca be foud at Authorisatio for claims costs before you icur them We are ot able to tell you if a claim will be covered without all your pet s previous medical history ad full details of what the claim will iclude. We eed to receive this iformatio i writig ad our ormal assessmet timescales apply. We may be able to give you a idicatio of whether a procedure will be covered, but we will ever cofirm verbally if a claim will be paid, util we have received all the paperwork to fully assess the claim. Geeral coditios these apply to the whole of your policy We ca oly pay claims if you meet the followig coditios. 1. You are the ower of the pet, your mai home is i the UK ad your pet is amed o the isurace schedule. 2. Your pet was eight weeks or older o the policy start date. 3. Your pet was see by a vet i the 12 moth period immediately before the start date of the policy. 4. You cotact us withi 12 moths of a evet, icidet, ijury or illess that could result i a claim ad sed us all claim iformatio withi 12 moths of ay treatmet you wat to claim for. 5. You provide all the evidece we ask for i order for us to fully assess ay claim, at your ow cost. 6. You look after ad provide proper care ad attetio to your pet at all times ad pay to have ay treatmet ormally recommeded by a vet to prevet illess, ijury or disease. 7. You iform us of ay other isurace that may (or may ot) cover the claim you are makig. 8. You comply with all the requiremets of the Pet Travel Scheme if you take your pet o a trip. DOCUMENT OF INSURANCE PET 12

14 You accept that we have the right to do the followig ad/or that we ll act i the followig ways. 9. We wo t make ay paymet for a claim (other tha for legal liability claims) if we receive coflictig iformatio. It is your resposibility to make sure all supportig iformatio provided i respect of a claim is correct, complete ad accurate before we receive it. 10. If you have a Essetial policy, claims will be assessed uder the terms ad coditios ad limits of the policy that was i force whe a coditio or evet first occurred. 11. If we idetify you, your vet or ayoe represetig you has: provided us with misleadig or icorrect iformatio to ay of the questios asked whe applyig for, amedig, reewig or claimig o this isurace deliberately misled us to obtai cover, gai a cheaper premium or more favourable terms made a claim or part of a claim that is fraudulet, false or exaggerated We may: cacel or void your policy (treat it as if it ever existed), icludig all other policies that you have with us reject a claim or reduce the amout of paymet we make Where fraud is idetified we will also ot retur ay premium paid ad will recover from you ay costs we ve icurred, as well as passig details to fraud prevetio ad law eforcemet agecies ad other orgaisatios (eg the Royal College of Veteriary Surgeos) who may access ad use this iformatio. 12. You agree that your curret ad/or previous vet(s) may release all iformatio or records to us regardig your pet ad that we may release ay iformatio relatig to your pet isurace policy to ay vet who has either treated, or is about to treat your pet. 13. If there is a disagreemet betwee your vet ad us, a idepedet vet mutually agreed upo by both sides will be appoited ad act as arbiter, whose decisio both you ad we must keep to. 14. You agree that we may take over ay claim ad deal with it i your ame. 15. We will ot make ay paymet for ay claim covered by ay other isurace. If ay other isurace is i place that would cover the claim but also states it wo t pay if aother isurace is i place, the both isurace policies should pay a proportio. 16. We wo t pay ay claim if we ve ot received the premium for the period of isurace i which the pet first shows sigs of a illess or ijury, or has ay treatmet. 13 DOCUMENT OF INSURANCE PET

15 Geeral exclusios We wo t cover you for ay claim that is caused by or i ay way related to ay of the followig. 1. Ay illess, ijury or chages i your pet s ormal healthy state, its bodily fuctios or behaviour (icludig ay vicious tedecies) that your pet shows sigs of before the start date of your policy. 2. Ay illess or behavioural problem, or ay sigs of a illess or behavioural problem that occurs i the first 14 days immediately followig the start date of the policy. 3. Ay ijury that happes i the first 48 hours immediately followig the start date of the policy. 4. Aythig that is oticed, occurs or is treated, outside of a period of isurace. 5. Your pet fallig uder the restrictios of the Dagerous Dogs Act 1991, the Dogs (Norther Irelad) Order 1983, Dogs (Norther Irelad) Act 1991 or ay chages to those laws. 6. Your dog sufferig from distemper, hepatitis, leptospirosis or parvovirus uless your dog is up to date with its vacciatios for these; or your cat sufferig from felie ifectious eteritis, felie iflueza ad felie leukaemia uless your cat is up to date with its vacciatios for these. 7. Your pet beig used for ay commercial (icludig breedig for moetary gai), guard, security or racig purposes, uless you have told us ad we have agreed to provide cover. 8. Ay treatmet that is ot recommeded by a vet. 9. Your pet beig outside of the UK or Pet Travel Scheme listed coutries. There is o cover for aythig that results from travel to ulisted coutries. 10. Ay liability arisig outside of the UK or Pet Travel Scheme EU listed coutries. 11. Ay otifiable disease as amed i the Aimal Health Act 1981 (a example of which is rabies). 12. The itetioal slaughter, by order from ay govermet, local authority or ay perso havig jurisdictio i the matter, except i the case of humae destructio to alleviate icurable ad ihumae sufferig. 13. Ay malicious act, deliberate ijury or gross egligece caused by you, your agets, your employees, ay member of your family or ayoe you have left your pet i the care or cotrol of. 14. Your pet disturbig or ijurig livestock (icludig ijuries to your pet). 15. Ay chages to currecy rates. 16. War, civil war, terrorism (by uclear ad/or chemical ad/or biological ad/or radiological meas), rebellio or revolutio. 17. Radiatio or cotamiatio from uclear fuel or uclear waste or from the burig or explosio of uclear fuel; or from ay radioactive or cotamiatig properties of ay uclear istallatio, reactor or other uclear assembly or its compoet part. DOCUMENT OF INSURANCE PET 14

16 Sectio 1: Veteriary fees The mai purpose of this sectio is to provide cover for uexpected veteriary fee costs that you have to pay to get your pet treated for illess or ijury. Not all vet fees are covered. Please refer to the defiitios o pages 6 ad 7 that apply to the words i bold. Your policy schedule shows which policy you have chose. What is covered If you have a Essetial policy We ll pay the cost of treatmet, alterative medicie ad complemetary therapy for each illess or ijury or related coditio for a maximum of 12 moths from the first date of treatmet up to a maximum of 5,000 If we pay claims believig them to be for separate illesses or ijuries ad we later cosider them to be a related coditio, we will add up the amouts paid to you for these claims ad wo t make ay more paymets durig the life of your pet, oce either the 12 moth time limit or the 5,000 fiacial beefit limit explaied above, have bee reached. Detal cover additioal iformatio We ll pay for treatmet relatig to the teeth ad/or gums oly if: it is eeded because of a ijury or it is to remove first teeth after your pet is more tha six moths of age ad provided your pet was isured with us before it was 16 weeks of age Complemetary therapy - additioal iformatio We ll automatically pay for up to five sessios of complemetary therapy. If further sessios are required you must get our agreemet for these before they are booked. We will eed writte cofirmatio from your vet of the positive beefit that the complemetary therapy is havig ad that it is prevetig the eed for other treatmet. We will approve paymet for a maximum of five additioal sessios at a time. If you have a Premier policy We ll pay the cost of treatmet, alterative medicie ad complemetary therapy for illess, ijury ad behavioural treatmet up to a maximum of 10,000 i ay policy period Detal cover additioal iformatio We ll oly pay for treatmet relatig to the teeth ad/or gums if your pet has had at least a regular aual detal check up ad ay routie or prevetative treatmet (icludig de-scalig ad polishig teeth) has bee ad cotiues to be carried out as recommeded by your vet withi three moths of that recommedatio. Complemetary therapy - additioal iformatio We ll automatically pay for up to te sessios of complemetary therapy. If further sessios are required you must get our agreemet for these before they are booked. We will eed writte cofirmatio from your vet of the positive beefit that the complemetary therapy is havig ad that it is prevetig the eed for other treatmet. We will approve paymet for a maximum of te additioal sessios at a time. 15 DOCUMENT OF INSURANCE PET

17 Behavioural treatmet additioal iformatio We ll oly pay for pheromoe products (such as DAP diffusers, Feliway), for a maximum period of three moths ad provided they are beig used as part of a structured behaviour modificatio programme. Behavioural equipmet such as traiig aids, DVDs, books, retraiig programmes, are ot covered. If you have either a Essetial or Premier policy 1. A illess that ca affect more tha oe part of the body will be treated as a related coditio if it affects more tha oe part of the body. Bilateral coditios will be treated as oe illess or ijury regardless of whether there is cosidered to be a differet cause of the coditio or how log has passed betwee the coditio occurrig i differet parts of the body. More iformatio about related coditios ca be foud uder the Related, recurrig, ogoig ad bilateral coditios sectio o page We ll oly pay the cost of aalysis (icludig biopsies or histology tests) o ay type of lump or other part of your pet that has bee removed if your vet provides writte cofirmatio that he/she eeds to kow the results of the aalysis i order to kow how to treat your pet. 3. Extra charges to see a vet out of the veteriary practice s ormal opeig hours will oly be paid if writte cofirmatio is provided from the vet that explais why treatmet could t wait util ormal surgery hours. Similarly, house calls will oly be paid for if the vet provides writte cofirmatio that this was essetial, because gettig your pet to the veteriary surgery would have seriously worseed your pet s coditio. If this iformatio is ot provided the charges that would have applied to atted the veteriary practice durig ormal opeig hours (ad which your vet must provide) will be paid. 4. Blood tests doe before a aaesthetic, surgery or a procedure will oly be paid if your pet is aged six years or more. If your vet cosiders there is a eed to do such blood tests at a youger age we will require specific evidece that suggests your pet s health may be at risk from the surgery, procedure or aaesthetic, ad your vet must cofirm what the alterative treatmet would be if the blood tests did reveal such a risk. 5. If tests are beig doe to check a pet s ogoig medical coditio ad/or ay impact of the medicatio they are o, we will oly pay for these tests if your vet cofirms that the results of the tests could mea a eed for a chage i treatmet ad what that chage would be. I o circumstaces will we pay for tests beig doe to moitor a ogoig illess more frequetly tha oce every three moths. 6. We ll oly pay for your pet to be kept at a veteriary practice (hospitalised) if the vet cofirms i writig what treatmet is beig received ad why it is ecessary for the pet to be kept at the practice i order to give this treatmet. 7. If your vet recommeds a course of alterative or complemetary treatmet that is ot listed withi our defiitio of alterative medicie or complemetary therapy, please cotact us before you get the treatmet, if you wat us to cosider payig for these costs. DOCUMENT OF INSURANCE PET 16

18 What is ot covered The purpose of this part of the sectio is to make it clear what is ot covered uder the veteriary fees sectio. If a situatio occurs that is ot metioed uder the what is covered sectio it is automatically ot covered. However, if you re usure if cover may apply, please call us o We wo t pay the excess amout (as show o your pet isurace schedule) of each claim for each separate illess, ijury or behavioural treatmet. That amout must be paid by you. O the Premier policy the excess amout will be take each policy period for each coditio beig claimed. 2. We wo t pay the excess amout (as show o your pet isurace schedule) of ay costs you have to pay if your pet goes to aother vet for treatmet of a illess or ijury it has already had treatmet for. For istace, if your pet is referred to a alterative vet for specialist treatmet. That amout must be paid by you. 3. We wo t pay the excess amout (as show o your pet isurace schedule) of ay costs you have to pay for complemetary therapy or behavioural treatmet, eve if a excess has already bee take for treatmet of the coditio by your vet. That amout must be paid by you. 4. We wo t pay for aythig i ay way related to a pre-existig coditio. 5. We wo t pay for ay prevetative or o essetial treatmet (icludig ay cosmetic surgery or treatmet), geeral health supplemets, routie examiatios or tests, bathig or de-mattig. 6. We wo t pay for ay treatmet costs that as a resposible pet ower you d expect to pay, such as (but ot limited to) vacciatios, flea treatmet, wormers, ail clippig, descalig or cleaig teeth, spayig or castratio. 7. We wo t pay for ivestigative tests or diagostic procedures, uless these are beig doe to diagose a coditio because your pet is showig specific symptoms or cliical sigs ad where evidece is provided by your vet that a diagosis (or rulig out a diagosis) would result i a chage i treatmet. 8. We wo t pay for ay food uless it is beig used istead of a alterative form of medicatio. We must be told by your vet what medicatio the food is replacig before we ca cosider payig the cost of the food. 9. We wo t pay ay costs that are charged to you for beig referred o to, or back from, a alterative vet (eg for specialist treatmet) or for behavioural treatmet, complemetary therapy or alterative medicie. This icludes ot payig for ay postage, packagig, courier or trasport costs. 10. We wo t pay for ay costs that you have to pay if you get a secod opiio from aother vet or therapist uless we have bee told the reasos for the secod opiio ad we have agreed we will pay the treatmet fees before you go. I o evet will we pay ay referral fees. 11. We wo t pay for spayig i ay circumstaces icludig if it is doe to prevet or treat aother coditio. 12. We wo t pay for castratio i ay circumstaces icludig if it is doe to prevet or treat aother coditio. We also wo t pay for ay treatmet coected with a retaied testicle(s), if your pet was over 12 weeks of age whe the cover started. 17 DOCUMENT OF INSURANCE PET

19 13. We wo t pay for ay treatmet coected with pregacy or your pet givig birth, or for ay complicatios that are caused because of these. 14. We wo t pay ay costs uless the coditio or illess or ijury ad the treatmet itself both occur i a period of isurace. 15. O the Essetial policy we wo t pay for ay illess or treatmet that occurs because of tooth or gum disease ad we will oly pay for this o the Premier policy if your pet has regular detal check ups ad ay routie treatmet (such as de-scalig, which will ot be covered by this policy) is carried out as recommeded by your vet withi three moths of that recommedatio. 16. We wo t pay the cost of ay trasplat surgery (this is the surgical replacemet of a orga that is o loger fuctioig with a orga from a door that does fuctio) icludig ay pre or post operative care or treatmet. 17. We wo t pay for ay form of housig (such as a cage or basket) or ay beddig. 18. We wo t pay ay costs that are i ay way related to your pet beig put to sleep (euthaasia), beig cremated or buried, or for disposig of your pet s remais. 19. We wo t pay the cost of a post mortem. Please also read the geeral exclusios o page 14 ad geeral coditios o pages 12 ad 13 which also apply. DOCUMENT OF INSURANCE PET 18

20 Sectio 2: Liability to other people for ijury ad property damage This sectio oly applies to dogs ad oly applies i the UK ad Pet Travel Scheme listed EU coutries The purpose of this sectio is to cover the costs ad compesatio you have to pay if you re legally resposible for damage caused by your dog to a perso or property. I this sectio the defiitio of you ad your is exteded to mea you or ay perso lookig after or hadlig your pet for free ad with your permissio ad kowledge. The cover provided is explaied uder what is covered. However, the cover is provided o the uderstadig that you agree to the poits below: 1. You tell us as soo as you re aware of a icidet that might lead to a claim uder this sectio. 2. You do ot egotiate, pay, settle, admit or dey ay fault of you or your dog, or aswer ay letters from people who may claim agaist you or who are actig for people who may claim agaist you, without our writte permissio. What is covered If property is damaged or someoe is ijured, falls ill or is killed as a result of a icidet ivolvig your pet ad you are legally resposible, we will pay compesatio, costs ad expeses you become legally liable to pay. The most we will pay is: 2 millio if you have a Essetial policy 3 millio if you have a Premier policy What is ot covered The purpose of this part of the sectio is to make it clear what is ot covered uder the liability to other people sectio. If a situatio occurs that is ot metioed uder the what is covered sectio it is automatically ot covered. However, if you re usure if cover may apply, please call us o We wo t pay the first 250 of ay claim for property damage. Property is aythig that ca be owed by a perso ad icludes other pets. 2. We wo t pay aythig if you are legally resposible oly because of a cotract you have etered ito. 3. We wo t pay ay claim that occurs because of a deliberate act or omissio by you or a member of your family or household. 4. We wo t pay for loss or damage to property that is owed by, or i the cotrol of, or beig looked after by: a. you or your family or household b. ayoe who is employed by a member of your household c. ayoe travellig with you o a trip d. ayoe you are stayig with o a trip or who is stayig with you o a trip 19 DOCUMENT OF INSURANCE PET

21 5. We wo t pay ay compesatio, costs or expeses that result from your professio, busiess or employmet. 6. We wo t make ay paymet if you or a member of your family or household have liability cover uder ay other policy (such as home isurace) uless that cover has bee used up. Please also read the geeral exclusios o page 14 ad geeral coditios o pages 12 ad 13 which also apply. DOCUMENT OF INSURANCE PET 20

22 Sectio 3: Death from illess This sectio oly applies if your dog is uder 9 years of age or your cat is uder 11 years of age. The purpose of this sectio is to reimburse you the amout you paid for your pet if it dies as a result of a illess at a uusually youg age. What is covered We will pay you the price you paid (or doated) for your pet or the amout stated o your pet isurace schedule (whichever is the lower) if your pet dies or has to be put to sleep by a vet to prevet sufferig because of a illess. The most we will pay is: 750 if you have a Essetial policy 1,500 if you have a Premier policy What is ot covered The purpose of this part of the sectio is to make it clear what is ot covered uder the death from illess sectio. If a situatio occurs that is ot metioed uder the what is covered sectio it is automatically ot covered. However, if you re usure if cover may apply, please call us o We wo t pay if your pet dies or is put to sleep because of a pre-existig coditio. 2. We wo t make ay paymet oce your dog has reached the age of 9 years or your cat has reached the age of 11 years. 3. We wo t pay if you ca t provide us with evidece of the price you paid or doated for your pet. 4. If your pet is put to sleep we wo t pay uless we receive writte cofirmatio from your vet that this was ecessary. Please also read the geeral exclusios o page 14 ad geeral coditios o pages 12 ad 13 which also apply. 21 DOCUMENT OF INSURANCE PET

23 Sectio 4: Death from a accidet The purpose of this sectio is to reimburse you the amout you paid for your pet if it dies as a result of a accidetal ijury. What is covered We will pay you the price you paid (or doated) for your pet or the amout stated o your pet isurace schedule (whichever is the lower) if your pet dies or has to be put to sleep by a vet to prevet sufferig because of a ijury. The most we ll pay is: 750 if you have a Essetial policy 1,500 if you have a Premier policy What is ot covered The purpose of this part of the sectio is to make it clear what is ot covered uder the death from accidet sectio. If a situatio occurs that is ot metioed uder the what is covered sectio it is automatically ot covered. However, if you re usure if cover may apply, please call us o We wo t pay if your pet dies or is put to sleep because of a pre-existig coditio. 2. We wo t pay if you ca t provide us with evidece of the price you paid or doated for your pet. 3. If your dog is 9 years of age or older or your cat is 11 years of age or older, we wo t pay uless your vet provides writte cofirmatio of the cause of death. If your pet dies at the scee of the accidet you must also provide a writte statemet from a idepedet witess cofirmig the circumstaces of the ijury. 4. If your pet is put to sleep we wo t pay uless we receive writte cofirmatio from your vet that this was ecessary. 5. We wo t pay if your pet dies or is put to sleep more tha 12 moths after the ijury happeed. Please also read the geeral exclusios o page 14 ad geeral coditios o pages 12 ad 13 which also apply. DOCUMENT OF INSURANCE PET 22

24 Sectio 5: Advertisig ad reward The mai purpose of this sectio is to reimburse you the costs we agree to ad that you pay to advertise for your pet s retur if it goes missig. What is covered If your pet goes missig or is stole we ll reimburse you for expeses you pay to try to get your pet back. You must cotact us before you icur ay costs. The most we ll pay is: 750 icludig a maximum 500 reward if you have a Essetial policy 1,500 icludig a maximum 500 reward if you have a Premier policy What is ot covered The purpose of this part of the sectio is to make it clear what is ot covered uder the advertisig ad reward sectio. If a situatio occurs that is ot metioed uder the what is covered sectio it is automatically ot covered. However, if you re usure if cover may apply, please call us o We wo t pay ay reward to ayoe livig with you, a member of your family, ayoe employed by you, ayoe who was lookig after your pet whe it was lost or stole, or ayoe travellig or stayig with you o a trip. 2. We wo t pay ay costs uless we have agreed to them before you icur them. 3. We wo t pay ay reward uless you have a receipt with the full ame, address, telephoe umber ad sigature of the perso who foud your pet cofirmig the amout you paid them. Please also read the geeral exclusios o page 14 ad geeral coditios o pages 12 ad 13 which also apply. 23 DOCUMENT OF INSURANCE PET

25 Sectio 6: Loss of pet from theft or strayig The purpose of this sectio is to reimburse you the amout you paid for your pet if it goes missig ad is ot foud withi 45 days. What is covered We ll pay you the price you paid (or doated) for your pet or the amout stated o your pet isurace schedule (whichever is the lower) if your pet goes missig or is stole ad has ot bee foud after 45 days. The most we ll pay is: 750 if you have a Essetial policy 1,500 if you have a Premier policy If your pet is foud after you ve made a claim you must pay us back the full amout we have paid uder this sectio of cover. What is ot covered The purpose of this part of the sectio is to make it clear what is ot covered uder the loss of pet from theft or strayig sectio. If a situatio occurs that is ot metioed uder the what is covered sectio it is automatically ot covered. However, if you re usure if cover may apply, please call us o If your pet is a dog, we wo t make ay paymet if you do t report the loss to your local authority ad welfare cetres or relevat goverig body or orgaisatio i the coutry where your pet goes missig (i Scotlad you must report the loss to the police) withi two days of your dog goig missig. You must be able to provide evidece that you have doe this. 2. If your pet is a cat, we wo t make ay paymet if you do t report the loss to your vet ad local rescue cetres withi 10 days of your cat goig missig. You must be able to provide evidece that you have doe this. 3. We wo t pay if you ca t provide us with evidece of the price you paid or doated for your pet. Please also read the geeral exclusios o page 14 ad geeral coditios o pages 12 ad 13 which also apply. DOCUMENT OF INSURANCE PET 24

26 Sectio 7: Boardig or pet midig fees What is covered The mai purpose of this sectio is to reimburse you costs you have to pay to have your pet looked after because you have to stay i hospital for more tha four days. The Premier policy also provides cover for extra costs you have to pay for your pet s boardig because of travel delays whe returig from holiday. If you have a Essetial policy We ll pay you up to 750 i ay policy period for costs you have to pay to have your pet looked after at a licesed boardig keel, cattery or pet midig service if you or a member of your family who lives with you has to stay i hospital for more tha four days i a row We will oly pay for the costs that you have to pay for the period you or your family member is i hospital. If you have a Premier policy We ll pay you up to 1,500 i ay policy period for costs you have to pay to have your pet looked after at a licesed boardig keel, cattery or pet midig service if you or a member of your family who lives with you has to stay i hospital for more tha four days i a row if you re delayed returig home from a holiday because your pre-booked trasport is delayed or cacelled We will oly pay for the costs that you have to pay for the period you or your family member is i hospital or the period of time your trasport is delayed. What is ot covered The purpose of this part of the sectio is to make it clear what is ot covered uder the boardig or pet midig fees. If a situatio occurs that is ot metioed uder the what is covered sectio it is automatically ot covered. However, if you re usure if cover may apply, please call us o We wo t pay for ay costs if you kew that it was likely you or a member of your family was goig to eed to go ito hospital o the start date of the policy. 2. We wo t make ay paymet if the hospital stay is ot o the advice of a doctor, specialist or cosultat. 3. We wo t pay a claim if the hospital stay was for treatmet of alcoholism, drug abuse, drug addictio, attempted suicide or a self-iflicted ijury. 4. We wo t pay if you or a member of your family is receivig ursig home care, covalescece care or ay other care that is ot received i a hospital. 5. We wo t pay for ay costs if your pre-booked trasport home from holiday was rescheduled before you left the UK. 6. If the boardig or pet midig costs result from hospitalisatio we wo t pay ay costs uless you ca provide writte cofirmatio from the doctor or the hospital of the dates of the hospital stay (this will usually be a medical certificate that ca be obtaied whe leavig the hospital) ad the coditio/symptoms that led to the stay. 7. If the boardig or pet midig costs result from travel delays or cacellatios we wo t pay ay costs uless you ca provide evidece of the delay or cacellatio (icludig timescales) ad ca t claim these costs back from ay other policy, or from your carrier or ay other compay or orgaisatio resposible for the delay. 8. We wo t cover ay costs without receipts or evidece of what you have paid the boardig keel, cattery or pet midig service ad the dates for those costs. Please also read the geeral exclusios o page 14 ad geeral coditios o pages 12 ad 13 which also apply. 25 DOCUMENT OF INSURANCE PET

27 Sectio 8: Holiday cacellatio The mai purpose of this sectio is to reimburse you for lost holiday costs if you have to cacel your holiday withi seve days of goig, or cut your holiday short because your pet goes missig or eeds emergecy lifesavig treatmet. What is covered We ll pay you for lost holiday costs you ca t get back from aywhere else if you have to cacel or cut short your holiday because your pet requires emergecy lifesavig treatmet (ie treatmet without which your pet would die) while you re away or i the seve day period immediately before you re scheduled to travel ad your pet is ot goig o holiday with you; or your pet goes missig i the seve day period immediately before you re scheduled to travel ad your pet is ot goig o holiday with you; or your pet is booked to go o a trip (holiday abroad) with you ad at the time you re scheduled to go is too ill to travel; or your pet is booked to go o a trip (holiday abroad) with you ad dies before you re scheduled to travel The most we will pay is: 1,000 if you have a Essetial policy 3,000 if you have a Premier policy What is ot covered The purpose of this part of the sectio is to make it clear what is ot covered uder the holiday cacellatio sectio. If a situatio occurs that is ot metioed uder the what is covered sectio it is automatically ot covered. However, if you re usure if cover may apply, please call us o We wo t pay the excess amout (as show o your pet isurace schedule) of ay claim. 2. We wo t pay for ay claim that is a result of a pre-existig coditio or a illess or ijury you were aware of before bookig your holiday or trip, or before goig o your holiday or trip. 3. We wo t pay for ay claim if the eed for life savig emergecy treatmet could have bee preveted if your pet had received treatmet earlier. 4. We wo t pay for you to cut short a trip (a holiday abroad with your pet) if your pet goes missig or dies while you re o a trip (please see sectio 10 part D for cover that may apply if this situatio arises). 5. We wo t make ay paymet without seeig your origial holiday bookig ivoice(s) ad travel documets showig the dates ad times of travel, cacellatio ivoice(s) showig the cacellatio costs ad charges you ve icurred, as well as evidece from your vet of the reaso for cacellig or cuttig short your trip. Please also read the geeral exclusios o page 14 ad geeral coditios o pages 12 ad 13 which also apply. DOCUMENT OF INSURANCE PET 26

28 Sectio 9: Accidetal damage to third party property this sectio oly applies if you have a Premier policy The purpose of this sectio is to cover the cost of accidetal damage your pet causes to persoal property while visitig someoe else s home. What is covered We ll pay up to 750 if your pet causes accidetal damage to someoe else s persoal property while visitig someoe else s home. What is ot covered The purpose of this part of the sectio is to make it clear what is ot covered uder the accidetal damage to third party property sectio. If a situatio occurs that is ot metioed uder the what is covered sectio it is automatically ot covered. However, if you re usure if cover may apply, please call us o We wo t pay the first 250 of ay claim. 2. We wo t pay for damage to persoal property that is owed by, or i the cotrol of, or beig looked after by: a. you or your family or household b. ayoe who is employed by you or a member of your household c. ay perso who is etrusted with the care, cotrol or custody of your pet d. ayoe you are stayig with o a trip or who is stayig with you o a trip 3. We wo t pay for ay damage that occurs if your pet is left i a home where o perso aged 18 or over is preset. 4. We wo t pay for ay damage caused by your pet foulig, vomitig or uriatig. 5. We wo t pay for ay damage to a motor vehicle or its cotets or to ay property damaged uless the property beig visited is a permaetly fixed structure (eg ot a tet, carava). 6. We wo t make ay paymet if you or a member of your family or household have cover uder ay other policy uless that cover has bee used up. Please also read the geeral exclusios o page 14 ad geeral coditios o pages 12 ad 13 which also apply. 27 DOCUMENT OF INSURANCE PET

29 Sectio 10: Additioal overseas cover I additio to the cover provided i sectios 1 to 9, the followig cover also applies if your pet travels with you o a trip. Part A Quaratie costs What is covered 1. We ll pay up to 1,500 o the Essetial policy ad up to 2,000 o the Premier policy i ay policy period towards quaratie keellig costs ad costs you have to pay to obtai a replacemet pet passport or official third coutry veteriary certificate for your pet should a microchip of ISO Stadard or Aex A of ISO Stadard fail. 2. We ll pay up to 1,500 o the Essetial policy ad up to 2,000 o the Premier policy i ay policy period towards quaratie keellig costs if, despite complyig with all the relevat regulatios, your pet has to go ito quaratie because of illess. 3. We ll pay up to 500 i ay policy period towards quaratie keellig costs you have to pay because you lose the EU pet passport or third coutry official veteriary certificate for your pet. We must have evidece that you had the correct documetatio whe you wet o your trip eg a photocopy of the documetatio. What is ot covered 1. We wo t pay ay costs if the microchip was ot checked ad cofirmed to be workig properly withi 30 days of your scheduled departure o a trip. 2. We wo t pay ay costs as a result of a illess or ijury that your pet was sufferig from before you left the UK o a trip. 3. We wo t pay ay costs for quaratie keellig that becomes ecessary because of a behavioural, metal or emotioal problem or ay vicious tedecies. Please also read the geeral exclusios o page 14 ad geeral coditios o pages 12 ad 13 which also apply. Part B Replacemet pet passport What is covered We ll pay up to 250 o the Essetial policy ad up to 500 o the Premier policy i ay policy period towards the cost of obtaiig the ecessary paperwork to allow you to re-eter the UK with your pet because: 1. you lose the EU pet passport or third coutry official veteriary certificate for your pet durig your trip 2. a microchip of ISO Stadard or Aex A of ISO Stadard fails What is ot covered 1. We wo t pay if you do t report the loss of the EU pet passport or third coutry official veteriary certificate to the issuig vet withi 24 hours of discovery. You must provide evidece that this was doe. 2. We wo t pay if you lost the EU pet passport or third coutry official veteriary certificate before startig your trip. 3. We wo t pay if the microchip fails ad was t checked ad cofirmed to be workig properly withi 30 days of your scheduled departure o a trip. Please also read the geeral exclusios o page 14 ad geeral coditios o pages 12 ad 13 which also apply. DOCUMENT OF INSURANCE PET 28

30 Part C Repeat tapeworm treatmet (applicable to dogs oly) What is covered We ll pay up to 1,000 i ay policy period, towards costs you have to pay to get your pet s tapeworm treatmet doe agai because you ad your pet s scheduled departure back to the UK is delayed by your carrier. What is ot covered 1. We wo t pay ay costs i gettig the first wormig treatmet doe. 2. We wo t pay ay costs for ay wormig treatmet other tha what is ecessary uder the Pet Travel Scheme for your pet to re-eter the UK. 3. We wo t pay ay claim if the first wormig treatmet was t carried out i the timescale required uder the Pet Travel Scheme. 4. We wo t pay ay claim if the delay is a result of aythig you have or have ot doe. Part D Additioal trasport ad accommodatio costs What is covered We ll pay up to 750 o the Essetial policy ad up to 1,000 o the Premier policy for additioal accommodatio ad trasport costs for you ad your pet i the followig circumstaces. 1. Your pet suffers a illess or ijury while o a trip ad is ot well eough to travel back to the UK as origially scheduled. We will oly pay for additioal accommodatio costs up util your pet is well eough to travel back to the UK. 2. Your pet goes missig while o a trip. We ll oly pay extra costs for you to stay beyod your scheduled departure date, if your pet goes missig i the three days immediately before your scheduled retur date. Ad you are oly covered for additioal costs for you stayig a maximum of four days from the date of your pet goig missig. 3. You lose your pet s passport ad have to miss your scheduled departure back to the UK, i order to get the ecessary replacemet paperwork. 4. Your pet s microchip of ISO Stadard or Aex A of ISO Stadard fails ad you have to miss your scheduled departure back to the UK i order to get the ecessary replacemet paperwork. 5. Your departure home is delayed by your carrier ad you miss your rescheduled departure because you have to get your pet s tapeworm treatmet repeated. We ll oly pay for trasport ad accommodatio costs o the same basis that you had previously booked, for example ecoomy class flights, self caterig accommodatio. What is ot covered 1. We wo t pay for ay additioal costs for ayoe else travellig with you uless they are uder the age of 18 years ad you are the oly adult travellig with them. 2. We wo t make ay paymet if your pet is ill or ijured uless you provide evidece from a vet that your pet was ot well eough to travel ad cofirmatio of the earliest date your pet was cosidered fit eough to travel. 3. We wo t pay ay additioal costs if your pet goes missig ad you do t provide evidece that you otified the police ad/or relevat authorities ad/or veteriary cetres ad/or re-homig cetres withi 24 hours ad followed their advice. 29 DOCUMENT OF INSURANCE PET

31 4. If your pet s passport is lost or your pet s microchip fails ad you choose to stay overseas while you source the ecessary paperwork to allow your pet ito the UK without goig ito quaratie. We wo t pay more tha we would have had to pay if you had retured to the UK as scheduled ad your pet was put i quaratie keels while the required paperwork was completed from the UK. 5. We wo t pay for additioal trasport or accommodatio costs as a result of you havig to get repeat tapeworm treatmet uless we ca see evidece that it really was ot possible to have your pet treated agai ad catch the rescheduled departure. 6. We wo t pay for the cost of gettig your pet home if it should die while you re o a trip. DOCUMENT OF INSURANCE PET 30

32 PET INSURANCE CONTACT NUMBERS Customer Services Mo-Fri 8am-8pm, Sat 9am-5pm Claims Mo-Fri 8am-6pm, Sat 9am-2pm For TextDirect: dial first. Calls may be recorded. You ca get this ad other documets from us i Braille, large prit or o audiotape by cotactig us. LV= ad Liverpool Victoria are registered trade marks of Liverpool Victoria Friedly Society Limited ad LV= ad LV= Liverpool Victoria are tradig styles of the Liverpool Victoria Group of compaies. Liverpool Victoria Isurace Compay Limited, registered i Eglad ad Wales umber is authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority, register umber Registered address: Couty Gates, Bouremouth BH1 2NF. Tel: /14