LifetimeFlex and 365Flex Policy Document

What is not covered? 1.

Section 7: Theft and Straying (UK Only)

If your pet dies from an illness .

2. If the death is a result of any injury that happens prior to or within 24 hours of your pet’s insurance first starting. 3. If your pet is put to sleep due to aggression unless this can be attributed to an injury . 4. 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. 5. If you are not able to provide us with confirmation from your vet or statement from an independent witness.

What is covered? We will pay you up to the purchase price or the maximum sum shown on your policy schedule , whichever is the lesser amount in respect of permanent loss due to your pet being lost or stolen and after no recovery has been made after 45 days despite appropriate endeavours including advertising and reward, notifying local rescue centres and in the case of theft the notifying the Police to report the theft obtaining a crime reference number. This benefit can be paid once per period of insurance . 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. We will not be liable: 1. If your pet is lost, stolen or strays prior to or within 14 days of taking out this policy . 2. Any amount if you or the person looking after your pet has freely parted with it. 3. Any claim for theft where the loss was not reported to the police or case of straying where the missing pet was not reported to local rescue centres. 4. Any claim is not submitted within 1 year of your pet going missing. 5. We will not pay a claim for loss or theft unless you can provide evidence or advertising and reward being offered. 6. For any amount in excess of the policy limit per period of insurance under this section of your policy schedule .

Section 5: Advertising Costs (UK only)

What is covered? If your pet is lost or stolen, we will reimburse you for advertising in a local newspaper or other approved expenditure for recovery of your pet (previously agreed by us) up to the maximum sum as shown in your policy schedule per period of insurance . We will not be liable for: 1. Reimbursing any money you spend trying to find your pet if we have not agreed to the way you are doing this. 2. More than £50 for cost of advertising materials. 3. Any amount in excess of the policy limit under this section of your policy .

Section 6: Reward Costs (UK Only)

Section 8: Boarding fees (UK Only)

What is covered? If your pet is lost or stolen, for a suitable reward to be offered for recovery of your pet (previously agreed by us ) up to the maximum sum as shown in your policy schedule per period of insurance. Although you are free to decide the amounts you wish to offer as a reward we apply a maximum of the lower of the full maximum benefit available for rewards or the purchase price declared on your policy schedule. What is not covered? 1. Any reward to anyone who is a member of your family or household or by any person employed by you or residing with you . 2. Any reward paid to the person who was caring for your pet when it was lost or stolen. 3. Any reward to the person or persons who stole or was involved in the theft of your pet. 4. Any reward greater than the declared value of your pet as shown on your policy schedule. 5. Any reward not supported by a signed receipt giving the full name, address and telephone number of the person who found your pet. 6. Any amount in excess of the policy limit under this section of your policy .

What is covered? We will reimburse you for boarding fees for your pet in a licensed boarding establishment, or daily minding in your own home up to the amount shown on your policy schedule if boarding and subject to a limit of £5 per day in pet sitting in your own home if during the period of insurance: (a) You have an illness or injury which requires you to go into hospital for more than 96 hours; or (b) a family member who permanently resides with you has an illness or injury which requires you to attend hospital for periods of time of no less than seven hours a day over a continuous period of no less than 96 hours and your pet stays in a licensed kennel /cattery while you are in or attending hospital and no other member of your family permanently residing with you is able to look after your pet . What is not covered? 1. Claims within the first 14 days of the commencement of insurance. 2. Any costs if you are in hospital for less than 96 hours. 3. Any costs if you or your family member who permanently resides with you goes into hospital if you or they had symptoms of being ill or injured before your policy first started.

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