10. Any additional costs which are incurred, e.g. if you fail to arrive on time at the airport/ferry port. 11. If you can get these expenses back from anywhere else, for example, from your travel insurance. 12. Any cost for food for you or your pet. 13. 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 . 14. Any amount for a holiday that does not start and finish in the period of insurance . 15. 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.
What is not covered? We will not pay for: 1. Any claims made for any incident that occurs outside of the UK or EU.
Section 12: Emergency expenses cover abroad
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 . 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 . What is not covered? We will not pay for: 1. Any claims made for any incident for trips to and from non-EU countries.
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 in non-EU countries. 3. Any costs incurred where it can be established that your pet was suffering from an illness or injury prior to departure.
Cancellation
with the instalment payments. Alternatively we will deduct outstanding instalments from any claim payment that may be due to you . This will not apply in the event of the death or loss of your pet . 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 . This will not apply in the event of the death or loss of your pet . 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. If a claim has been submitted or there has been any incident likely to lead to a claim during the current period of insurance no premium refund will be given. This will not apply in the event of the death or loss of your pet . We can cancel this policy if there are serious reasons to do so, for example: 1. Where we have been unable to collect a premium payment (payment terms including the procedures in the event of non- payment of the premium will have been agreed between you and us when you took out this policy ); or 2. You have not supplied truthful answers as requested on page 3 of
Section 13: Repeat tick and worming
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 paid back 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 happened. If you do not cancel your policy during the 14 day period, your policy will continue as normal.
What is covered? We will pay up to the maximum amount shown on your policy schedule dependent on the cover level selected veterinary treatment costs incurred in arranging repeat tick and worming treatment where your return departure to the UK is delayed by your carrier. 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 relevant regulations, laws and/or legislation of your country of travel. 3. Any veterinary fees incurred if the repeat tick and worming treatment was not necessary in order to comply with the relevant regulations, laws and/or legislation of your country of travel.
MiPet Cover Pet Insurance 2nd Floor, 5000 Lakeside
North Harbour Western Road Portsmouth PO6 3EN
Section 11: Loss of Animal Health Certificate
If you make a claim during 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
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.
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