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 What words mean. Please read the What words mean 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.

LifetimeFlex £2k & £4k

LifetimeFlex £6k & £8k

LifetimeFlex £10k & £12k

365Flex £2.5k

365Flex £5k

MiPet Cover Benefit

Contents

Lifetime per year £2,000 or £4,000 per year

Lifetime per year £6,000 or £8,000 per year

Lifetime per year

12 Month

12 Month

Product type

What words mean

4

£10,000 or £12,000 per year

Introduction

5

£2,500 per condition

£5,000 per condition

Vet’s fees Choose from

What we ask of you

6

What we will not cover

7

Including complementary therapies up to

£1,000 per year

£1,500 per year

£2,000 per year

£250 per condition Choose between £100-£200

£500 per condition Choose between £100-£200

Section 1: Veterinary fees (treatment to your pet)

8

Choose between £100-£200

Choose between £100-£200

Choose between £100-£200

Fixed excess (Per condition, per year. In £25 increments)

Section 2: Third party legal liability ((claims against you or your dog))

10

Variable excess (optional*) Payable in addition to the fixed excess

10%

10% 10% 10%

10%

Section 3: Death of your pet (illness)

11

Section 4: Death of your pet (injury)

12

Death from illness (max age 8)

£1,000

£1,500

£2,000

£500

£750

Section 5: Advertising costs (if your pet is lost or stolen, UK only) Section 6: Reward costs (if your pet is lost or stolen, UK only) Section 7: Theft and straying (if your pet is lost or stolen, UK only)

Death from accident

£1,000

£1,500

£2,000

£500

£750

12

Advertising

£750

£1,000

£2,000

£500

£750

12

Reward

£500

£750

£1,000

£500

£750

Loss by theft

£1,000

£1,500

£2,000

£500

£750

12

Boarding and kennel fees

£750

£1,500

£2,000

£250

£500

Section 8: Boarding fees (UK only)

13

Third party liability (Dogs only)

£1M

£2M

£3M

£1M

£1M

Section 9: Holiday cancellation/curtailment

13

Holiday cancellation

£1,000

£1,500

£2,000

£500

£750

Section 10: Quarantine costs

14

Quarantine costs

£500

£750

£1,500

£250

£500

Section 11: Loss of Animal Health Certificate

14

Loss of Animal Health Certificate

Section 12: Emergency expenses cover abroad

14

£250

£250

£250

£250

£250

Section 13: Repeat tick and worming

14

Emergency expenses abroad

£500

£750

£1,000

£250

£500

Cancellation

15

Repeat tick and worming

£500

£750

£1,000

£250

£500

I’m having financial difficulty

16

Helplines

Claims

16

*Once added, it cannot be removed for the lifetime of the policy. Variable excess is compulsory for dogs 6 years + and cats 8 years +.

Fraud

17

Lifetime Flex Lifetime policy explanation

365 Flex 12 month policy explanation

Complaints procedure

17

Data protection

18

365Flex cover level is a “time-limited” policy which means from the earliest date you or your vet first see or note each accident or illness, you are covered either up to 12 months from this date or up to the veterinary fee limit (whichever of these limits is reached first). Once either the 12 month or veterinary fee limit is reached, the accident or illness is no longer covered under the policy.

Helplines

18

LifetimeFlex cover are all lifetime policies, which means this cover provides one financial limit for all new accidents and illnesses, combined per year. When the financial limit has been reached, no further claims can be made until the policy is renewed. At which point, the financial limit resets and you can continue to claim. Lifetime cover is continually offered as long as your policy is renewed on time every year and you pay your premium when asked.

MIP0105 0723 V4.0

2

3

Made with FlippingBook - professional solution for displaying marketing and sales documents online