LifetimeFlex and 365Flex Policy Document

Your pet’s cover Welcome to your policy of insurance that provides cover for your pet for veterinary fees and other expenses as detailed in your policy. Your cover is made up of a number of sections. Please carefully read your policy and your schedule to understand which cover sections and payments limits apply to you. The cover for any given section only applies if that section heading appears under ‘Cover Benefits’ on the schedule. If no Section heading appears or the phrase ‘Not covered’ is shown against the heading then the cover by that section does not apply. If the range of cover does not meet your needs then please telephone us to discuss the options available. We will be pleased to quote to change your level of cover. Words in bold type face (but not headings) such as ‘your’ have specific meanings attached to them as set out in Definitions. Please read the Definitions set out at the end of this policy. The schedule and policy together form a legal contract with us and define exactly what you are covered against and what is excluded. If you have any questions in relation to your cover please contact us on 0808 164 8000.

Contents

Definitions

4

Introduction

6

General conditions applicable to all policy sections 6

General exclusions applicable to all policy sections 7

Section 1: Veterinary fees

8

Section 2: Third party legal liability (dogs only)

10

Section 3: Death of your pet (illness)

11

Section 4: Death of your pet (injury) (UK only)

11

Section 5: Advertising costs (UK only)

12

Section 6: Reward costs (UK only)

12

Section 7: Theft and straying (UK only)

12

Section 8: Boarding fees (UK only)

12

Section 9: Holiday cancellation/curtailment

13

Section 10: Quarantine costs

13

Section 11: Loss of PETS Passport

14

Section 12: Emergency expenses cover abroad

14

Section 13: Repeat tick and worming

14

Cancellation

14

Claims

15

Fraud

16

Complaints procedure

16

Data protection

17

Helplines

18

MIP0105 1019 v1 .0

2

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