LifetimeFlex and 365Flex Policy Document

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 residing 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. 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 and a covering letter with your claim form. 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. 1. 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. 2. Any amount for a holiday that does not start and finish in the period of insurance . 3. 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 9: Holiday cancellation/ curtailment

What is covered? We will reimburse you 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 prior to departure or; 2. You come home early because your vet believes your pet needs lifesaving treatment or lifesaving surgery. What is not covered? 1. Claims within the first 14 days of the commencement of your policy . 2. Any amount if your pet does not have lifesaving treatment or lifesaving surgery. 3. Any claim where the veterinary treatment is not covered by a vet fee claim. 4. 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 . 5. 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. 6. If you booked your holiday less than 28 days before you were due to leave. 7. If you cancel your holiday or come home early as a result of any pre-existing condition. 8. If you knew about the injury before going on holiday and the injury was likely to necessitate emergency treatment and/or surgery. 9. Any additional costs which are incurred, e.g. if you fail to arrive on time at the airport/ferry port. 10. If you can get these expenses back from anywhere else, for example, from your travel insurance. 11. Any cost for food for you or your pet 12. 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 . 13. Any amount for a holiday that does not start and finish in the period of insurance . 14. Any claim more than one year after your return. Claims conditions . 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.

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