5. We will not pay a claim for loss or theft unless you can provide evidence of advertising or a reward being offered. 6. For any amount in excess of the policy limit per period of insurance under this section of your policy schedule .
Claims Conditions When you or your family member who permanently resides with you leave hospital, you /they should obtain a medical certificate and send us the medical certificate and the receipt from the boarding kennels/cattery. 1. If you can get these expenses back from anywhere else, for example, from your travel insurance. 2. Any cost for food for you or your pet. 3. Any additional cancellation charges incurred because you did not tell the company providing your transport or accommodation, their agents or any person acting for you , as soon as you knew you had to cancel your holiday. 4. Any amount for a holiday that does not start and finish in the period of insurance . 5. Any claim more than one year after your return. Forward to us all receipts for the expenses you are claiming, along with a booking invoice for the holiday detailing any cancellation charges. You must provide us with confirmation that you are unable to claim these costs back from your travel providers.
Section 6: Reward Costs (if your pet is lost or stolen, UK only)
Section 4: Death of your pet (injury) (UK only)
What is covered? If your pet is lost or stolen, we will agree an amount for a reward for the 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 living 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 payment where you can’t give us 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 .
You can claim under this section of the policy no matter the age of your pet.
Section 8: Boarding fees (UK Only)
What is covered? If your pet dies because of an injury , 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 injury 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 from illness . 2. Death caused by from any injury that happens prior to or within 24 hours of your pet’s insurance first starting. 3. Any claim where 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. Any claim where 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 back 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 during 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. 4. Any costs if you or your family member who permanently resides with you goes into hospital as a result of pregnancy, giving birth, alcoholism, drug abuse, drug addiction, attempted suicide, self- harm or hospitalisation that is not directly related to being ill or injured. 5. Any costs resulting from nursing home care or any convalescence care that you do not receive in a hospital. 6. Boarding fees if you or your family member who permanently resides with you have previously gone into hospital for the same illness or injury. 7. Any stay in hospital that you were aware could happen when you arranged the policy . 8. Transportation costs for you and your pet to or from the boarding kennel/cattery establishment. 9. Where the incident which led to the incurring of boarding fees occurred outside of the period of insurance. 10. Any payment to a person permanently living at the address shown in your policy schedule or member of your family. 11. Any claim in excess of the limit shown on your policy schedule per period of insurance . 12. Any costs if you do not attend hospital for a continuous period of more than seven hours a day over a continuous period of no less than 96 hours whilst a family member who permanently resides with you have an illness or injury which requires you to attend hospital.
Section 9: Holiday cancellation/ curtailment
What is covered? We will pay you back up to the amount shown on your policy schedule (in any one period of insurance ) for the non-recoverable cancellation and curtailment costs incurred by you if during the period of insurance : 1. You cancel your holiday within 7 days of you leaving to go on holiday or; 2. You come home early because your vet believes your pet needs lifesaving treatment or lifesaving surgery. What is not covered? 1. Claims during the first 14 days of the commencement of your policy . 2. Any claims for incidents occurring in non-EU countries. 3. Any amount if your pet does not have lifesaving treatment or lifesaving surgery. 4. Any claim where the veterinary treatment is not covered by a vet fee claim. 5. Any amount as a result of an illness or injury that first showed clinical signs or happened more than 7 days before the start date of your holiday . 6. Costs for anyone else who is on holiday or who is going to be on holiday with you . Unless they are under 18 years of age and no other adult is able to take care of them. 7. If you booked your holiday less than 28 days before you were due to leave. 8. If you cancel your holiday or come home early as a result of any pre-existing condition. 9. If you knew about the injury before going on holiday and the injury was likely to necessitate emergency treatment and/or surgery.
Section 7: Theft and Straying (if your pet is lost or stolen, UK only)
Section 5: Advertising Costs (if your pet is lost or stolen, UK only)
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 give us 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 before or during the first 14 days of taking out this policy . 2. Any amount if you or the person looking after your pet has deliberately lost them, given them away or sold them. 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 that is not submitted within 1 year of your pet going missing.
What is covered? If your pet is lost or stolen, we will pay you back what you spent for advertising in a local newspaper or other approved costs 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. Paying back 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 .
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