LifetimeFlex and 365Flex Policy Document

6. Any payment 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. Any payment 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. 10. Cover is not provided at any event of conformation show, agility event, working trial or Schutzhund competition. 11. Cover is not provided at any organised shooting or sporting event. 12. Any liability arising from an agreement which imposes a liability on you which you would not be under in the absence of such an agreement. 13. Any claim for injury or damage to property which you or a family member could have stopped but deliberately chose not to. 14. Any claim if your pet is a cat. 15. Any claim resulting from your pet passing on any disease or virus. 16. Any claim where you have not followed advice given to you by previous owners of your dog or by any rehoming organisation about your dog’s behavioural traits. 17. Any claim whilst your pet is being transported in a motorised vehicle. 18. Fines, penalties or your breach of quarantine restrictions or import or export regulations. 19. Any damages, costs or expenses if you are insured under any policy which covers any liability relating to your pet (including your household insurance) unless that cover has been used up. 20. Any claim costs over the policy limit under this section of your policy. 21. Any amount over £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) in respect of all incidents occurring during the period of insurance . Special conditions that apply to this policy section . 1. You must contact us as soon as there is an incident that could give lead to a claim. 2. You must not admit to anyone that your pet was at fault, offer any payment, make a payment, or try to agree a payment. 3. You must forward on to us any letters, writs, summons, or other legal documents you receive, without delay, and you must not answer them. 4. You must tell us what happened or if you do not know, try to find out what happened following an incident. You must also give us a written statement as to what happened if we ask and go to court if required.

5. We may pay what we think is a fair amount to settle any claim made against your pet. 6. We will have complete control of any claim or the defence of any legal proceedings. 7. You must not give anybody information or anything that could help them claim against you other than giving them your policy number and name and address of us . In relation to any third party liability claims, we may pay up to the limit of your stated policy cover or lesser amounts for which any claim can be settled (after deduction of any sum or sums already paid as compensation) and shall be released from any further liability under this policy (except for costs and expenses of litigation recoverable or incurred with our consent prior to the date of such payment).

40. Any claim as a result of a ‘notifiable’ disease (as defined by DEFRA https://www.gov.uk/government/collections/notifiable-diseases-in- animals) e.g. rabies. 41. Any post mortem costs. 42. Any charges in respect of disposal, cremation, or burial of your pet. 43. Incremental costs caused as a result of the late submission of your claim. Signs of injury You must arrange for a vet to examine and treat your pet as soon as possible after it shows clinical signs of an injury . If we decide this may not be the case we may refer the case to an independent vet . If it can be established that the delay in arranging treatment has or is likely to result in additional costs or expenses being incurred we reserve the right to either refuse to admit the claim or make a deduction from any settlement to reflect these increased costs or expenses. 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 whilst temporarily traveling within a member state of the EU 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 traveling within a member state of the EU, 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. The claim submission must be 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 provide medical history and supply us with the supporting invoices. We will not pay for the vet to do this. The invoices and full clinical history must be returned to us within 60 days of the pet receiving the treatment for your claim to be considered. Please make sure that you have 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 and supply us with the supporting invoices on each occasions that treatment 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 submission for the initial costs. We will not normally be able to assess the claim 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.

. 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 living with you . 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 living with you 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 your pet has not been found to be to blame by a court of law. 4. Claims for incidents that happen outside of the period of insurance . 5. Any payment 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 .

Section 3: Death of your pet (illness)

This section does not apply in the case of dogs that are 8 or more years old and cats that are 8 or more years old.

What is covered? If your pet dies because of an illness , or as a result of your vet putting your pet to sleep, if recommended by a vet as necessary to stop the suffering of your pet , due to illness during the period of insurance . We will pay the purchase price you paid for your pet as declared by you and detailed on the policy schedule . This payment is subject to the maximum policy limit shown on your policy schedule . If you are unable to provide us with formal proof of the amount paid for your pet we will pay a current market value based on average prices at the time of your pet’s death What is not covered? 1. Death caused by an accident . 2. Death caused by from any illness that occurs prior to or within 14 days of your pet’s insurance first starting. 3. Any claim where the illness is excluded from claim under Section 1 veterinary fees. 4. If at the time of death your pet 8 years of age. 5. Any claim where your pet is put to sleep due to aggression unless this can be attributed to an illness . 6. Any claim if a vet believes it is more humane to keep your pet alive rather than put it to sleep, but despite this you still have your pet put to sleep. 7. Any claim where you are not able to provide us with confirmation from your vet or statement from an independent witness.

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