LifetimeFlex and 365Flex Policy Document

Second Opinion Vets There may be times when you wish to take your pet to a different vet as you are unhappy with their diagnosis or treatment suggestions, all requests for Second opinions must be agreed by us in advance of treatment , however should the second opinion vet agree with the first diagnosis or treatment then we shall only pay for one claim. Cover Overseas Cover overseas is subject to the limit shown in your policy schedule and only applicable to cats and dogs. In the event that your pet requires veterinary treatment whilst temporarily in a European Member Country of the Pet Travel Scheme (PETS) , payment of any treatment will be made by you to the vet whilst you are there, upon return home, you should telephone us immediately and report the claim – 0808 164 8001. We will forward to you a claim form for completion. This form must be returned complete with all paid veterinary receipts. Settlement of eligible claims will be made to you , after any applicable deductions have been made, in sterling at the rate of exchange applicable at the date the bills were settled, such payments discharging us from all further liability connected with such claim. Claims Information Before your pet is treated check that your vet is willing to complete the claim form, provide medical history and supply us with the supporting invoices. We will not pay for the vet to do this. The claim form and invoices along with a full clinical history must be returned to us within 60 days of the pet receiving the treatment or as soon as possible thereafter. Please make sure that the form is signed by both you and your vet and that it is indicated to whom we should make the payment. If you are submitting a claim for an on-going injury your vet must still complete a claim form and supply us with the supporting invoices on each occasion that treatmen t is provided. If your pet is referred to a specialist please make sure that the vet who normally treats your pet has completed a separate claim form for the initial costs. We will not normally be able to assess the claim form and supporting invoices from the referral practice until we have processed the initial treatment from your own vet . With your authority we will pay your claim settlement directly to the vet on your behalf. If you have asked us to pay your vet we will send payment directly to the practice and if there is any amount other than the fixed excess or variable excess that we cannot pay because the costs are not covered we will tell you in writing. You must settle with your vet any amount we cannot pay. Policyholders who are veterinary surgeons or staff If you are a veterinary surgeon , you may treat your own pet but another vet must countersign the claim form confirming the treatment has gone ahead. The same applies if you are a vet nurse, you cannot complete your own claim form. Policyholders who are veter countersign the claim form confirming the treatment has gone ahead. The same applies if you are a vet nurse, you cannot complete your own claim form. Section 2: Third party legal liability (dogs only) What is covered? We will pay up to the third party liability limit of indemnity, dependent on the cover level shown on your policy schedule sums which you become legally liable to pay in the UK courts as damages (including costs) during the period of insurance for any claim or series of claims

arising from any one event or multiple events and in respect of all and any incidents occurring during the period of insurance involving your dog causing: 1. Bodily injury, death, sickness, or disease to any person who is not in your employment or who is not a member of your family or household. 2. Loss of or damage to property that does not belong to and is neither in the charge of or under the control of you , anyone in your employment or any member of your family or household within: a) the United Kingdom or b) whilst temporarily in a member state of the European Union provided that your dog complies with all the relevant legislation relating to movement across international borders, but only for a maximum stay of 30 days during the policy period for 365Flex £2,500, 365Flex £5,000, LifetimeFlex £2,000 and LifetimeFlex £4,000 and 180 days under LifetimeFlex £6,000, LifetimeFlex £8,000, LifetimeFlex £10,000 and LifetimeFlex £12,000. The most we will pay under this section of the policy for all incidents occurring within the period of insurance will be £1,000,000 (365Flex £2,500, 365Flex £5,000, LifetimeFlex £2,000 and LifetimeFlex £4,000) £2,000,000 (LifetimeFlex £6,000 and LifetimeFlex £8,000 and £3,000,000 (LifetimeFlex £10,000 and LifetimeFlex £12,000). If someone else is looking after your dog when the injury or damage happens, we will still pay as long as: 1. You asked them to look after your dog. 2. You did not agree to pay them to look after your dog. 3. The injury or damage was not to them or their property. What is not covered? 1. Policy excess, this is shown on your policy schedule . 2. You must pay any policy excess due under this section of the policy , as shown on your policy schedule , when we request it following an incident that may give rise to a claim. Failure to pay the excess when requested may result in us refusing to pay additional costs incurred or in us refusing to deal with any third party claim. 3. Claims where no legal liability is established. 4. Claims within 24 hours of the commencement of your policy . 5. Compensation or legal costs if the injured person is part of your family, lives in your home, works for you , or is looking after your pet or is paid to look after your pet . 6. Compensation or legal costs if the damaged property belongs to you or a person who is part of your family, lives in your home, works for you, is looking after your pet or is paid to look after your pet . 7. Compensation or legal costs if you or someone listed above is looking after the property or holding it in trust or any liability when your pet is under the control or custody of a professional dog sitter, walker, groomer, or other similar professional caring for your dog where payment is made. 8. Any claim resulting from a period when your pet was left unattended. 9. Cover is not in force at any place where you or members of your family are subject to a contract of employment, carry out self- employed or voluntary work.

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