LifetimeFlex and 365Flex Policy Document

All claims under this section of the policy must be supported by all relevant receipts and evidence of expenditure. Additionally, you must notify the Police or relevant transport operator within 24 hours of the incident and obtain, at your own expense, a written report should you wish to claim following the loss or theft of your pet .

Section 10: Quarantine costs

What is covered? We will pay up to the limit shown in your policy schedule per trip for: 1. Quarantine kennelling costs and costs incurred in obtaining a replacement health certificate for your pet should a microchip of ISO Standard 11784 or Annex A to ISO Standard 11785 fail to operate as intended. 2. Quarantine kennelling costs should, despite compliance with the relevant regulations, your pet be placed in quarantine due to illness . All claims under this section of the policy must be supported with all relevant receipts and documentary evidence that your pet was micro- chipped prior to your journey with a microchip of ISO Standard 11784 or Annex A to ISO Standard 11785. What is not covered? We will not pay for: 1. Any costs incurred where it was established that the microchip was not functioning prior to departure. 2. Any costs incurred where it can be established that your pet was suffering from an illness or injury prior to departure.

Section 13: Repeat tick and worming

What is covered? We will pay up to the maximum amount shown on your policy schedule dependent on the cover level selected v eterinary treatment costs incurred in arranging repeat tick and worming treatment where your return departure to the UK is delayed by your carrier. Veterinary treatment will only be covered if your pet is travelling within the designated authorised Pet Travel Scheme (PETS) lists EU countries. What is not covered? 1. Any veterinary fees incurred in obtaining the initial tick and worming treatment . 2. Any veterinary fees incurred if the initial tick and worming treatment was not performed in the time scale required by the Pet Travel Scheme (PETS) . 3. Any veterinary fees incurred if the repeat tick and worming treatment was not necessary in order to comply with the Pet Travel Scheme (PETS) .

Section 11: Loss of PETS passport

Cancellation

What is covered? We will pay up to £250 per trip for the cost of a replacement health certificate should the original become lost during the trip. This includes any quarantine costs incurred as a direct result of such a loss. All claims under this section of the policy must be supported by all relevant receipts and evidence of expenditure.

You may cancel this policy within 14 days of receipt of the policy documents (new business) or the renewal date by writing to us at the address given below. Any premium already paid by you will be refunded to you providing no claim has been made or is intended to be made and no incident likely to give rise to a claim has occurred. If you do not exercise your rights during the 14 day period, your policy will continue as normal. MiPet Cover Pet Insurance

Section 12: Emergency expenses cover abroad

The Connect Centre Kingston Crescent Portsmouth PO2 8QL

What is covered? We will pay up to the level shown in your policy per trip in reimbursement for emergency expenses incurred by you . Cover is provided for: 1. Additional accommodation for up to 14 days and repatriation fees incurred by you should your pet require emergency veterinary treatment which results in you missing your return journey. 2. Reimbursement of accommodation and transportation costs incurred by you up to the limit shown on y our policy schedule following your pet becoming lost during a journey, whilst you endeavour to find your pet prior to your due return date to the UK . 3. Reimbursement of additional accommodation and transportation costs incurred by you up to the limit shown on your policy schedule , for up to 4 days, should your pet become lost or stray prior to your return journey to the UK resulting in you remaining abroad whilst endeavouring to locate your pet .

If you make a claim within the first 14 days of the policy start date then this will be taken as accepting the policy cover, no refund would then be available. The policy is an annual contract of insurance that can be paid monthly. If the premium is paid under a monthly instalment option and a claim has been settled during the period of insurance , you must continue with the instalment payments. Alternatively we will deduct outstanding instalments from any claim payment that may be due to you . If the annual payment option is chosen and a claim is paid, no premium will be refunded if the policy is cancelled during the same period of insurance . Provided there has been no claim or incident likely to give rise to a claim during the current period of insurance and you cancel your policy , we will calculate the proportionate premium for the period you have been insured and refund any balance.

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