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
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